BSB 805 050

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BSB 805 050

Build or renovate my business premises

Planning a building or renovation project for your business premises?

Start from scratch or get it up to scratch

You're on a roll

A new or contemporary build, reconfigured layout, an extension, a carpark, modern fit-out, or complete overhaul can all be major contributors to the success of your business.

So, whether it’s an office, warehouse or retail space, and whether you’re starting from scratch or getting it up to scratch, there’s a lot you need to consider.

Location, location, location

Australia-wide, there are usually pretty strict regulations on commercial zoning. In most areas, to be classified as a business, the premises must be located in a commercial area or in an area zoned at least partially for commerce.

All councils use zoning controls to coordinate and manage the use of land within their local government area. A property's zoning determines whether a business is permitted or prohibited. For example, some business zones permit a food and drink premises while other zones do not, so make sure you do your research.

Take a good look around the area where you want to build or renovate your commercial property. Consider the other businesses that are nearby and whether they will complement or compete with your business.

Also consider ease of customer access, and the prominence of the business for passing vehicle and foot traffic. Will people know your business is there and can they get to it?

Renovate my business

Tip - Council approval

Some works including minor internal or external building works or some changes of use of premises may not require formal approval, but most will, so it’s always best to check with your local council.


Fit-outs and fixtures

New or renovated premises will usually need fixtures, fittings and services installed before you can start to operate your business.

You might want to engage a professional fit-out expert. Smart design tips can increase the usability of the space and reduce short and long-term costs.

Are you ready to renovate?

building renovation

How you know

If your commercial property has reached its use-by-date, needs an overhaul of its internals and structure, if you’re changing the purpose of the building, if the building no longer complies with relevant safety codes, or if an expansion is in order – a renovation is required.

Whatever the reasons are for a renovation, consider conducting your renovation in stages to minimise disruption to business, tenants, staff and customers, so you will only be disrupting specific sections of the building for short periods of time.

Some other things to think about

Building a business premises or undertaking a commercial renovation can be stressful, confusing and costly. Before drawing the plans or breaking out the sledge hammer, there are a few things you might want to think about…

  • Consider the cost of insurance for the building, public liability and other necessary cover your business will need, and don’t be caught short.
  • Consult with any key stakeholders to be sure that your commercial build or renovation will suit the requirements of everyone involved including staff, tenants, and customers.
  • Consider environmentally sound design solutions by selecting building materials with minimal environmental impact, such as recycled materials and renewable resources.
  • Minimising construction site waste will make a positive impact for the environment and will save money, as the cost of waste disposal can be quite high.
  • Allow time for delays including seasonal shortages in the availability of tradespeople (for example, at Christmas time) when work on your build, reno or fit-out may cease for a period of time.

We want to help your business grow

Your business is our business

Your business is our business

If you’re planning on building or renovating your business premises, review our range of business loans. Our business banking consultants can help keep (or get) your finances in order and will offer products and services that work for you and your business.

Find out more


Thank you for your enquiry. Unfortunately we don’t have a Business Banker based in this area, so please call us on 13 11 82 to see how we can still help you.

Terms, conditions, fees, charges and lending criteria apply and are available on application.

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