Commercial Loan
Commercial property finance built around the asset and the tenant
Commercial lending is assessed differently to residential the property type, lease terms and tenant strength all shape what a lender will offer. We compare panel lenders on that basis, not by treating it like a standard home loan with a bigger number.
- Up to ~70–80% LVR
- Owner-occupied & investment
- Terms up to 15–25 years
Who it's for
- Business owners buying the premises they operate from
- Investors purchasing leased office, retail or industrial property
- SMSF trustees acquiring commercial property for the fund
- Buyers of specialised property types that don't fit standard residential lending
How it works
The same clear process every time, shaped around this specific loan type.
- 1
Property & lease review
We assess the property type and, for investment purchases, the strength and term of any existing lease.
- 2
Panel comparison for commercial lending
Commercial lending policy and pricing vary widely between lenders we compare on your specific property and use case.
- 3
Valuation & due diligence
We coordinate valuation and any due diligence the lender requires ahead of formal approval.
- 4
Settlement & ongoing structure
We settle the loan and review the structure again as lease terms or your business needs change.
What's included
Owner-occupied & investment lending
Whether you're buying premises to operate from or as a leased investment, we compare both pathways.
Lease-backed serviceability
For investment purchases, we factor lease income and tenant strength into how much you can borrow.
All commercial property types
Office, retail, industrial and specialised property, each assessed on its own lending criteria.
SMSF commercial pathway
If your SMSF is the buyer, we coordinate this alongside our SMSF lending process to stay compliant.
Get a copy of the current lease agreement to us early if this is an investment purchase tenant strength and lease term can move the borrowing outcome more than the property itself.