SECURE BOOKING gateway
Book a Credit Consultation
Choose the portfolio division that fits your funding scenario. In 15 minutes, we'll help you map out your borrowing capacity, clarify covenant rules, and outline which lender desks will suit.
PR
Hosted by
Phil Riches
Commercial Property Review
For purchase or refinance of warehouses, retail offices, medical suites, or SMSF trust investment portfolios.
- Review LVR limits and low-doc options
- Structure planning for trusts & SMSF
- Discretionary pricing margin audits
- No advisory fees at this initial stage
Model Mortgages Pty Ltd operates under Australian Credit Licence (ACL) 387460. Specialist commercial finance activities are governed by MFAA and AFCA regulations.
Each review type loads the GoHighLevel credit scheduling module specific to the lender desk assigned. If you're unsure of the vertical, book under "Not sure" for general desking routing.
Credit assistance is subject to client circumstances, verification and final credit provider assessment.
Frequently asked
Questions before you book
What deposit do I need for a commercial property loan in Australia? +
Most commercial lenders require a minimum 30–35% deposit (65–70% LVR). Some lenders will go to 70–75% LVR for strong covenant tenants or established businesses. Low-doc commercial loans typically require a larger deposit. The deposit requirement also depends on the property type, location, lease terms and borrower financial position.
Can I buy commercial property through my SMSF? +
Yes. An SMSF can purchase commercial property using a Limited Recourse Borrowing Arrangement (LRBA), including property leased back to a related party (such as your own business). SMSF commercial lending has strict LVR limits (typically 65% or less), higher rates and requires the fund to have a compliant investment strategy. SMSF loan applications require legal and financial advice in addition to broker assistance.
What is a low-doc commercial loan and who qualifies? +
A low-doc commercial loan allows borrowers to verify income using an accountant's letter, business activity statements (BAS) or bank statements instead of full tax returns. These loans suit self-employed business owners, trust structures or investors who cannot easily document income the standard way. Low-doc commercial loans typically carry higher rates and require a larger deposit.
How does property development finance work in Australia? +
Development finance funds residential or commercial construction projects through progressive drawdowns tied to build stages. Lenders assess the site value, development approval, builder contract, presales (if residential), projected end value and the developer's track record. Interest is typically charged on drawn funds only. Development finance is assessed differently from standard commercial property mortgages and requires specialist broker knowledge.
Can I finance a childcare centre, medical practice or healthcare premises through a specialist broker? +
Yes. Childcare centres, medical suites, GP practices, allied health clinics and aged care premises are specialist commercial property types assessed on their own criteria. Lenders consider the lease, operator covenant, regulatory licence, occupancy and site value. Some lenders specialise in these sectors and offer better terms. Commercial Finance Australia has specific experience in childcare and healthcare premises finance.
What is the difference between commercial property finance and a business loan? +
Commercial property finance is secured against real property and funds the purchase or refinance of commercial real estate. A business loan or working capital facility is typically used for cash flow, inventory, equipment or business acquisition, secured against business assets, receivables or personal guarantees. The two can sometimes be combined — for example, using equity in commercial property to fund business expansion.