Commercial property loans
Commercial lenders price each deal on its facts. How the deal is presented changes the answer you get.
Owner occupier or investor
Buying the premises your business trades from is assessed mainly on your business income. Buying to lease out is assessed on the rent, the lease term and who the tenant is. The same building can get a different answer for each.
What lenders look at
- Deposit. Commonly 20% to 35% of the price, depending on the property type and location.
- The lease. A long lease to an established tenant supports a bigger loan than a short one.
- The property. Standard offices, shops and warehouses are easier to finance than specialised buildings.
- Loan term. Often 15 to 25 years, sometimes with a review every few years.
- GST. Many commercial sales attract GST, which needs funding at settlement even when you can claim it back.
Using your home as extra security
Equity in residential property can cover the deposit or bring the rate down. It also ties your home to the business loan. We show you the options with and without it, and keep the loans separate wherever we can. See cross-collateralisation.
Buying through super
A self-managed super fund can buy commercial property, including your own business premises, under strict rules. See SMSF loans.
How we handle it
The same four steps on every loan, whatever the size.
Talk
A 20-minute call about what you want to do. No documents needed yet.
Compare
Your scenario priced across 40+ banks, mutuals and non-bank lenders, explained in plain English.
Settle
We package the application, lodge it and chase the lender through to settlement.
Stay sharp
Every year we check your rate against the market, so the loyalty tax never gets a grip.
Questions people ask
Do commercial loans have higher rates than home loans?
Usually, yes, and fees are more common. Rates are set deal by deal, so presentation and competition between lenders matter.
Which entity should buy the property?
That is a question for your accountant and solicitor. We arrange the loan to suit the structure they recommend.
General information, last updated November 2026. Scheme figures, lender policies and duty rates change, so confirm them before you rely on them.
Keep reading
Let’s talk about your next move
Twenty minutes on the phone. No documents and no sales pitch.