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COMMERCIAL LOANS.
Empower Your Business or Investment with the Right Commercial Property Loan. If you’re looking to purchase or refinance a shop, office, warehouse, or any business-related property, we can help make it happen while rewarding you along the way. Our commercial property loan solutions open doors for business owners to buy or upgrade their premises and for investors to expand their portfolio with income-generating real estate.
Why a Commercial Property Loan?
Diverse Investment Opportunities
Commercial properties can include offices, warehouses, retail shops, mixed-use buildings, and more. This broad scope provides numerous opportunities for investors to generate consistent rental income and long-term capital growth.
Potential for Higher Yields
Commercial real estate often offers higher rental yields compared to residential properties. If you’re seeking a potentially higher return on investment, commercial property loans might be the right fit for you.
Flexibility in Loan Structure
Commercial loans can be tailored to meet specific financing needs, from purchasing an owner-occupied commercial space to expanding a growing property portfolio. Our brokers will help you compare various lenders and negotiate competitive terms on your behalf.
How We Can Help
Expert Guidance
Our experienced mortgage brokers take the time to understand your unique financial situation and long-term goals. We then match you with lending solutions that suit your requirements, whether you’re just getting started or already have an established portfolio.
Access to Multiple Lenders
We work with a wide range of lenders, giving you access to diverse loan products and competitive offers. This ensures you get the loan best suited to your commercial property.
Streamlined Application Process
Navigating commercial financing can be complex. We help streamline the loan application process, assist in preparing required documentation, and communicate with lenders on your behalf, saving you both time and effort.
Tips to Secure a Commercial Loan
Have a Solid Business Plan
Lenders will examine your business plan, financial history, and projections to gauge the security of their investment in your commercial venture.
Prepare Documentation
Commercial property loans typically require detailed financial statements, property appraisals, and relevant business records. Staying organised can significantly speed up the application and approval process.
Seek Professional Advice
Consult with your Accountant, Financial Advisor, and Legal Team to understand your obligations and ensure your investment journey is on a solid foundation.
MAJOR BANKS & FEATURES
| Bank | LVR | Loan Term | Rate Options | Repayments | Features |
|---|---|---|---|---|---|
| Commonwealth Bank (CBA) | 70% LVR typical Must meet business credit criteria (no recent arrears/bankruptcy) | Up to 30 years (with property security) | Variable or Fixed; can include fixed-rate period. Interest-Only available (initial IO period then P&I) | P&I or IO (interest-only) options Extra repayments allowed on variable; redraw available on variable loans | Security: Accepts residential or commercial property as collateral (or unsecured for smaller loans) Special: Fast-track BizExpress approval for existing customers Green: Loan discounts for sustainable projects |
| ANZ | 70–80% LVR common Strict credit criteria (clean credit required) | Up to 30 years (if loan < $3m and secured by acceptable property) Often 15 years standard term on many commercial loans | Variable or Fixed (fixed terms up to 10 years) Interest-Only up to 10 years possible (for qualifying long-term loans) | IO period up to 10 yrs Extra repayments allowed on variable | Security: Acceptable security includes residential, commercial, rural property or other assets Unsecured loans available up to $500k (director’s guarantee usually required) Special: Rapid refinance process for loans < $1.5m |
| Westpac | 100% LVR possible for owner-occupied commercial property ≤ $3m | Typically up to 25–30 years | Variable or Fixed (fixed up to 5 years) Interest-Only available | P&I or IO; flexible repayment frequency (choose weekly, monthly, etc.) Extra payments allowed on variable with redraw facility | Security: Generally requires property asset as security; director guarantees needed for businesses Special: Unique 100% LVR offering for qualifying customers |
| NAB | 80% LVR on commercial property 100% LVR with additional residential property security | Up to 20 years (commercial security) or 30 years (residential-secured) | Variable or Fixed rates available Interest-Only options available | IO period possible at start Extra repayments allowed on variable loans; redraw available on variable | Security: Can be secured by commercial or residential property (or other assets). Special: Lending programs for certain professions (e.g. medical, accounting) with high LVR options. |
