Commercial Property Loan
Lending that matches how the asset performs
Commercial property lending is assessed differently from a standard home loan.
Lender assessment includes:
Income from the property (or business)
Type of property and location (ie. Office, warehouse, retail)
Lease strength and tenant quality
Buying a Commercial Property
For business owners, purchasing commercial premises can create more control over location, occupancy costs and long-term property strategy.
The lender will usually assess both the property and the business. This may include business financials, trading history, cash flow, existing commitments and whether the business can support the proposed debt.
For investors, it may provide more predictability with longer lease terms and set conditions.
Lease terms, tenant quality, vacancy risk, location, property type and rental income can all affect how the loan is viewed. A well-located property with a strong lease would be assessed differently to a vacant or specialised asset.
The reality:
There is no single lender that suits every commercial property transaction.
But there is a lender for every scenario.
Our approach
We focus on alignment.
You’ll see:
Funding options based on asset type and risk
Clear timing expectations
Structures that match your holding strategy
What we won’t do
Push a deal into the wrong lender
Overstretch leverage without a clear buffer
Ignore exit or refinance risk
Commercial Property Loan FAQs
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Commercial property lending is finance used to purchase, refinance or release equity from commercial property. This may include offices, warehouses, retail premises, industrial property, mixed-use property or business premises.
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Possibly. Many business owners purchase commercial premises through a company, trust or other structure. The right structure should be reviewed with your accountant or solicitor, and the lender will assess the borrower, business financials, security and loan purpose.
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Commercial property lending is usually assessed on the borrower, property type, lease income, tenant quality, loan purpose, security, deposit and exit strategy. It is generally more deal-specific than a standard residential home loan.
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Deposit requirements vary by lender, property type, borrower profile, security and loan purpose. Some scenarios may require around 30% to 40% deposit, while specialised securities such as petrol stations, boarding houses and, childcare facilities (amongst others) may require more.
You should also allow for transaction costs such as transfer duty, valuation fees, legal costs and settlement adjustments. These costs vary by state, property value and transaction type, so they should be checked before contracts are finalised.
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Yes, rental income from a commercial property is typically included in a lender's assessment. In some cases — such as where your business pays rent to the entity that owns the property — this can also apply to owner-occupied scenarios. Some commercial leases also include outgoings on top of the base rent.
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Commercial property loan interest rates vary depending on the lender, borrower, security, loan-to-value ratio, loan amount, loan term, repayment structure and overall risk profile. Commercial rates are often different from residential home loan rates, so current pricing should be checked against the specific transaction before relying on it.
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Yes. Being self-employed or having short trading history is not a reason to automatically disqualify you from a commercial property loan.
However, most lender require a minimum ABN and/or trading period of 12 months. If you have recently changed trading structure, for example from sole trader to company, some lenders may consider the continuity of the business. This depends on the lender, documentation and overall application strength.
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Lenders may ask for the contract of sale, lease agreement, business financials, tax returns, BAS, bank statements, existing loan statements, company or trust documents, deposit evidence and valuation information.
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Yes. Commercial property lending can be sensitive to valuation, lender policy, lease details, deposit requirements and settlement timing. Reviewing the finance position early can reduce the risk of avoidable issues later.