Commercial property
Commercial property loans for owners and investors
Buying your own business premises, a shop, office, warehouse or mixed-use building, or refinancing commercial debt? We compare banks, non-banks and private lenders on rate, LVR, term and covenants so the loan suits the property and your plans.
Is this you?
- Business owners buying their own premises
- Investors buying leased shops, offices or warehouses
- Mixed-use and specialised properties
- Refinancing commercial loans before expiry or review
What you should know
General information current as at October 2026. Lender policies change; we confirm them for your situation.
Our process
Understand the property
We look at the property type, lease, tenant and your plans for it.
Compare commercial lenders
We compare banks, non-banks and private lenders on rate, LVR, term and conditions.
Package the deal
We present the lease, valuation and financials the way commercial credit wants to see them.
Review before expiry
We review your facility before its term or review date so you are not caught out.
Frequently asked
How much deposit do I need for commercial property?
Usually more than for a home. Many lenders lend 65% to 80% of the value, so a deposit of 20% to 35% plus costs is common. Using equity in other property can help.
Can my SMSF buy my business premises?
Yes. From 10 August 2026, new SMSF borrowing is limited to business real property, which includes premises your business uses. Speak with your SMSF accountant as well.
Is commercial property assessed on my income or the rent?
Both. Lenders look at the rent and lease, plus your personal or business income where the property is owner-occupied or the rent does not cover the loan.
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