FOR BUSINESS OWNERS & PROPERTY INVESTORS
Commercial property loans in Sydney.
Finance shaped around the asset and your plans.
Clear guidance for buying or refinancing commercial property across Sydney’s Inner City, Inner West and Eastern Suburbs.
Business premises · Investment property · Refinancing
The right structure starts with your purpose.
Your business premises
Bring your property plans and business position into one clear lending conversation.
Your investment property
Consider the asset, lease and holding strategy as part of your finance options.
A clearer view of the transaction.
Property, income and timing all shape the lending conversation.
Talk through your circumstancesThe property and location
We start with the asset, its intended use and the information needed to assess your options.
Income and lease position
We look at the business income or rental income supporting the application, together with the lease position where relevant.
Deposit and overall costs
We discuss your available contribution and the costs to allow for, so the funding conversation reflects the overall transaction.
Timing and lending structure
We talk through your purchase or refinance timeline and holding plans to help identify suitable lending options and next steps.
Lender criteria and individual assessment apply.
OUR APPROACH
Clear steps. Considered guidance.
Understand
We start with the property, your financial position and what you want to achieve.
Compare
We explore suitable lenders and structures, with your asset and plans in mind.
Prepare
We help you organise the information and documents needed for your application.
Guide
We keep you informed and coordinate the next steps from application through to settlement.
SYDNEY & SURROUNDS
Local context.
Commercial focus.
Commercial property finance guidance for business owners and investors across Sydney’s Inner City, Inner West and Eastern Suburbs.
Your questions, answered.
What is commercial property lending?
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.
Can I buy my business premises through my company?
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.
How is commercial property lending different from a home loan?
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.
How much deposit do I need for a commercial property loan?
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.
Do lenders consider rental income from a commercial lease?
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.
What are the current interest rates on commercial property loans?
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.
Can I get a commercial property loan if I am self employed or have limited trading history?
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.
What documents are needed for a commercial property loan?
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.
Should I speak to a broker before signing a commercial property contract?
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.
A commercial asset.
A clear funding plan.
Let’s talk about your next move.
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.
We focus on alignment.
You’ll see:
Funding options based on asset type and risk
Clear timing expectations
Structures that match your holding strategy
Our approach
What we won’t do
Push a deal into the wrong lender
Overstretch leverage without a clear buffer
Ignore exit or refinance risk
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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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.
-
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.