Commercial Property
Commercial Property Finance
Owner-occupied and investment property — where lease structure, tenant strength and security type shape how the deal is assessed.
Overview
Two commercial properties with similar values can be assessed very differently depending on the lease in place, the strength of the tenant, and the type and use of the security. We work out how the deal should be structured and which lender’s policy fits it before anything is submitted — because that, more than the headline numbers, shapes the outcome.
What this covers
Owner-occupied business premises
Office, retail, industrial and mixed-use investment property
Medical, healthcare and childcare premises
Refinance and equity release against commercial security
Lending guide
LVR varies by security, lease and lender — subject to assessment
We don’t quote rates upfront — the structure and lender fit do more for the outcome.
How we help
- Lease term, tenant strength and security type weighed together
- Higher LVRs may be available to eligible medical professionals, subject to lender policy
- Coordinated with your accountant where structure and tax treatment matter
Talk through your scenario
Understand how your situation is likely to be assessed — every conversation is strictly confidential.
Frequently asked
Questions about commercial property
How do commercial property loans differ from home loans? +
Commercial property is assessed heavily on the asset itself — tenant profile, lease duration (WALE) and sector stability — alongside the borrower. Terms are usually shorter than a 30-year home loan, maximum LVRs are typically lower, and pricing is more bespoke. The structure and lender fit matter more than any single rate.
How much deposit or equity do I need for commercial finance? +
It varies widely by asset type, security and lender — commercial typically requires more equity than residential, and specialised assets like childcare differ again. We give you a realistic picture for your specific deal up front rather than a generic number.
What documentation is typically required for a full-doc commercial loan? +
Lenders generally look for two to three years of company and personal tax returns, recent BAS, your business and ownership structure, a current assets and liabilities statement, any existing lease agreement (for investment property), and business bank statements showing trading. Low-doc paths differ.
Are commercial interest rates higher than home loan rates? +
Usually, yes, because commercial lending sits in a higher risk category. Pricing is influenced by LVR, asset class and tenant strength, and is more bespoke than a standard rate sheet. We don't quote rates upfront — the structure and lender fit do more for the outcome, and pricing follows from getting those right.