Commercial Property Loans
Financing for office buildings, retail spaces, industrial properties, and other commercial real estate investments with flexible terms and competitive rates.
Why Choose Our Commercial Loans
Competitive rates, flexible terms, and expert guidance
Competitive Rates
Market-leading interest rates starting from 6.5% per annum with flexible repayment options.
Fast Approval
Streamlined approval process with conditional approval possible within 48-72 hours.
Up to 80% LVR
High loan-to-value ratios available for established commercial properties with strong income.
Flexible Terms
Loan terms from 1-30 years with interest-only options available for up to 5 years.
Expert Support
Dedicated relationship managers with deep commercial property expertise.
No Hidden Fees
Transparent fee structure with no hidden costs or surprise charges.
Overview
Our Commercial Property Loans provide flexible financing solutions for investors and business owners looking to acquire, refinance, or release equity from commercial real estate assets.
Whether you're purchasing an office building, retail space, industrial property, or any other commercial real estate, our tailored loan solutions can help you achieve your investment objectives with competitive rates and flexible terms.
Key Features
- Loan amounts from $1M to $50M+
- Terms ranging from 12 to 36 months
- LVR up to 70%
- Interest-only options available
- Fast approval and settlement process
- No rigid serviceability requirements
Eligibility
Our commercial property loans are available to a wide range of borrowers, including:
- Property investors
- Self-employed business owners
- Companies and trusts
- Foreign investors (FIRB approved)
Suitable Property Types
- Office buildings
- Retail spaces and shopping centres
- Industrial properties and warehouses
- Mixed-use developments
- Healthcare facilities
- Hospitality properties
Success Stories
Real examples of how our commercial property loans have helped clients achieve their investment objectives.
Challenge:
Vendor required unconditional offer with 30-day settlement
Solution:
Pre-approved facility enabled immediate unconditional offer
Outcome:
Successful acquisition of premium office building with tenant in place. Client secured property below market value due to fast settlement capability.
Challenge:
Bank required personal guarantees and extensive documentation
Solution:
Asset-focused lending approach with streamlined approval process
Outcome:
Released $6M equity for further acquisitions while maintaining existing cash flow. Portfolio now valued at $28M.
Challenge:
Property had vacancy issues affecting bank appetite
Solution:
Focused on underlying asset value and client's proven track record
Outcome:
Acquired underperforming retail centre, implemented value-add strategy, refinanced to bank at higher valuation.
Commercial Property Lending Guide
Essential information to help you understand commercial property financing and make informed decisions.
Understanding Commercial LVR
Loan-to-Value Ratio (LVR) for commercial properties typically ranges from 60-70%. Unlike residential lending, commercial LVR is calculated based on the property's income-generating capacity and market value. Higher LVRs may be available for premium properties with strong tenant covenants.
Interest Rate Structures
Commercial property loans can feature fixed, variable, or split interest rate structures. Many borrowers opt for interest-only repayments during the initial term to maximize cash flow, particularly for investment properties or during lease-up periods.
Security and Guarantees
Commercial loans are typically secured by the property itself, with additional security sometimes required for higher LVRs. Personal guarantees may be limited or avoided entirely depending on the borrower's experience and the property's quality.
Exit Strategies
Successful commercial lending requires a clear exit strategy. Common exits include refinancing to a bank, sale of the property, or conversion to long-term investment financing. We work with clients to structure loans that align with their intended exit timeline.
Commercial Loan Calculator
Calculate your potential loan repayments and total costs for commercial property financing.
These calculations are estimates only. Actual rates and repayments may vary based on your individual circumstances.
Frequently Asked Questions
Get answers to common questions about commercial property loans.
Apply for Commercial Property Loan
Complete this form to start your commercial property loan application. Our lending specialists will contact you within 24 hours.
Ready to Get Started?
Speak with our commercial lending specialists today to discuss your property financing needs and explore your options.