Commercial Loans
Compare lenders, costs and timelines before you commit.
Who it is for
Process
We review the property type, lease income, your business financials, and the deal structure.
Commercial lending policy varies widely. We find lenders who understand your property type and business profile.
Commercial deals involve valuations, legal work, and more moving parts. We coordinate it all.
We work with your solicitor, the lender, and all parties to complete the transaction.
Before you apply
Requirements vary by lender. Please use the enquiry form for contact details only; your broker can explain how to provide documents securely.
| Option | When it may help | What to consider |
|---|---|---|
| Standard commercial loan | Established businesses buying freehold commercial property | Shorter terms than residential loans, typically 5-15 years |
| Commercial loan with lease income | Investors buying tenanted property where lease income supports repayments | Lenders assess lease quality and tenant strength carefully |
| Mixed-use loan | Property combining commercial and residential elements | Fewer lender options and more complex assessment criteria |
Commercial loans are assessed on business cash flow and property income rather than personal salary. Terms are shorter, pricing structures differ, and covenant conditions can significantly affect your flexibility.
Typically 20-30% depending on the property type, your business financials, and the lender. Some lenders may accept less with additional security.
Typically 4-8 weeks. Commercial valuations and legal work take longer than residential, so we recommend planning accordingly.
Yes, through a Limited Recourse Borrowing Arrangement. We can help coordinate this - see our SMSF loans service for more details.
