Commercial Loans


It’s difficult to find information on the internet about commercial property loans. Lender credit policy, terms, conditions and interest rates are difficult to find on lender websites. Unlike normal home loans, the pricing of a commercial property loan is dependent on many different criteria and many of the terms can be negotiated.

So which lender is best for your commercial purchase? It depends on many factors.

Some qualifying questions you will be asked by the lender:

  1. How long has your business been operating for?
  2. How has the business been trading?
  3. Do you have stable financials?
  4. Any fluctuations?
  5. Normally the maximum LVR is 70% with only commercial security
  6. Normally the maximum LVR is 80% with only residential security
  7. No defaults means a competitive interest rate can be negotiated.
  8. Are you renting/leasing or are you the owner of the premises?

All commercial lenders have their credit policies and maximum loan amounts.

The maximum available from most lenders:

  • 80% of the property value for loans up to $1,000,000.
  • 75% of the property value for loans up to $2,000,000.
  • 70% of the property value for loans up to $5,000,000.
  • Commercial property loans from $5,000,000 to $50,000,000 are on a case by case basis.

The type of commercial property loan and nature of your security will have an effect on the amount that you can borrow.

If a residential property is used as security, you may be able to borrow 100% of its value.

Lease doc, low doc, and no doc loans will require a larger deposit.

Specialised security properties will also require a larger deposit.

Contact us now to get your application started.


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