Compare Commercial Loans for Different Property Locations

Commercial property lending varies significantly across each of Australia’s diverse markets, with different location presenting unique opportunities, lending criteria, and investment dynamics. We cover all Australian markets including:

• Sydney Commercial Property Loans – Australia’s largest and most competitive market with average yields of 4.5-6.5%. Sydney’s diverse submarkets from Parramatta to North Sydney each have distinct lending dynamics we help you navigate.
• Melbourne Commercial Property Loans – Victoria’s powerhouse economy supports yields of 5.0-6.5% with strong lender appetite across CBD, inner suburbs, and growth corridors.
• Brisbane Commercial Property Loans – Queensland’s capital offers compelling 5.5-7.5% yields with Olympics 2032 infrastructure driving growth in CBD offices, industrial corridors, and medical precincts.
• Perth Commercial Property Loans – Resources sector stability creating renewed confidence with yields of 6.5-8.5%. Our specialist lenders understand Perth’s unique economic cycles.
• Adelaide Commercial Property Loans – South Australia’s steady market delivers reliable 6.0-7.5% yields with defensive characteristics and consistent lender appetite for medical, industrial, and suburban retail properties.
• Gold Coast Commercial Property Loans – Australia’s sixth-largest city combining tourism strength with economic diversity. Yields of 6.0-7.5% and strong demand for health, education, and retail properties.
• Sunshine Coast Commercial Property Loans – One of Australia’s fastest-growing regions with new Maroochydore CBD creating opportunities. Yields of 6.5-8.0% attracting both local and interstate investors. Health and education sectors driving commercial demand.
• Newcastle Commercial Property Loans – NSW’s second city transforming from steel to services with yields of 6.5-8.0%.  Strong industrial demand from port-related activities.
• Wollongong Commercial Property Loans – Sydney’s southern neighbour benefiting from spillover with yields of 6.0-7.5%.  Growing as affordable Sydney alternative.
• Geelong Commercial Property Loans – Victoria’s second city emerging as Melbourne alternative with infrastructure investment and population growth. 
• Regional Commercial Property Loans – Specialist finance for centres including Toowoomba, Ballarat, Bendigo, Townsville, Cairns, and Darwin. Requires lenders who understand local economies and seasonal factors.

Your property’s location will fundamentally determines what lenders, rates, and terms you can access. Metropolitan markets offer broader lender choice and higher LVRs, while regional locations often compensate with superior yields and lower competition. Smart Business Plans maintains real-time lender appetite mapping across all Australian markets, ensuring we match your location to lenders actively seeking exposure in that specific area.

Success isn’t just finding any lender – it’s identifying those who consider your chosen location a priority market, translating to better rates, higher LVRs, and smoother approvals. Our 15+ years securing finance nationwide means we know exactly which lenders are active in each market and how to position your application for success.

Yes you can. We regularly help investors and business owner-occupiers access commercial property across state and regional boarders. Most lenders have no restrictions on interstate investment. In fact, diversifying across markets can strengthen your portfolio. We have relationships with lenders all over Australian who specialise in cross-border commercial investment.

Generally no – rates are determined by the property location, not where you live. A Melbourne investor buying Brisbane commercial property gets Brisbane market rates. However, some lenders may offer slight discounts for local owner-occupiers versus interstate investors (typically 0.1-0.2% difference).

Foreign investors can face additional requirements including FIRB approval, and typically need 35-40% deposits versus 20-30% for locals. We work with specialist lenders who understand foreign investment structures and can arrange competitive finance for qualifying overseas buyers. Speak to our team for more information.

Sydney and Melbourne CBD properties generally attract the best rates and LVRs, as lenders see them as less risky. Brisbane is very close to Sydney and Melbourne levels, whereas other cities and regions attract rate premiums in line with lender risk. Specific suburbs within cities also vary – we know which postcodes each lender favors.

Regional areas may see commercial property loan interest rates between 0.5% and 2.5% higher than major city locations. This is due to lender risk criteria and more limited appetite for regional locations. 

SMSF lenders strongly prefer metropolitan areas and major regional centers with populations over 50,000. They’re particularly comfortable with medical, office, and logistics properties in capital cities. Some specialist SMSF lenders will consider quality regional commercial property with strong leases.

Commercial property operates on different cycles in each location. While Sydney might be peaking or turning down, Brisbane could be entering growth. We  can provide you with current market analysis for each location to help guide your decision. Generally speaking, securing the right property beats perfect timing, especially for business owner-occupiers seeking tax benefits. 

Metropolitan properties have the most refinancing options with 60+ potential lenders. Regional properties might have 15-20 options. The key is knowing which lenders are actively seeking exposure to specific locations – that’s where our expertise adds value.

Yes, cross-collateralisation across state borders is common. You can use your Sydney residential equity to fund Brisbane commercial purchases for example. Some structures are more tax-effective than others – talk to our team if you’d like us to explain the options.