Commercial Property Purchase Loans from $500k to $100m+
We’ve helped hundreds of Australians secure competitive commercial property purchase loans with LVRs ranging from 60% – 80% and rates from 5.85% – 9.30%.
As specialist commercial mortgage brokers we’ll guide you through every step, from pre-qualification to settlement.
Commercial Property Purchase Loans (last checked 26 September 2025)
Rates & Deposits
- General Rates: 5.85% - 9.30%
- Borrower Type: Business owner-occupiers and property investors
- Investment: 25% deposit, up to 70% LVR
- Loan Terms: 1 - 30 years
Our Lender Panel
- Big 4 Banks: Best rates, prime properties
- Regional Lenders: Higher LVRs, faster approvals
- Specialist Loans: Complex deals, unique properties
- Result: Better rates, higher LVRs, more options
Key Features
- Approval Time: 7-28 days
- Property Types: Office, retail, industrial, medical, and all specialist properties
- Loan Purpose: Purchase existing commercial property
Getting Commercial Property Purchase Loans Right
After helping thousands of clients, we know how the right rates & structure can transform your business, your investment portfolio, or both.
Whether you’re looking to own your own business premises, or build wealth through property acquisition, commercial property purchase loans today are more flexible than most people think.
The problem is there are 100’s of commercial loan products out there, and trying to find the one that best fits your specific goals is time-consuming hard work.
That’s where we come in – no matter if it’s your first time buying a small commercial property, or you’re an experienced investor acquiring large commercial premises, we’ll help you find and structure the right commercial property finance to achieve your goals.
Who Uses Commercial Property Loans?
Owner-Occupiers
For business owner-occupiers purchasing established businesses or moving from leasing to ownership, commercial property purchase loans can provide a number of benefits:
- Control over your business premises
- No more rent increases or lease uncertainty
- Build equity while operating your business
- Potential tax benefits and depreciation
- Modify premises to suit your exact needs
Investors
For commercial property investors seeking to build wealth with a focused on yield and capital growth, commercial property purchase loans can provide a number of benefits:
- Rental income stream from tenants
- Capital growth potential over time
- Diversification of business assets
- Tenant pays down your loan principal
- More flexibility in business operations
Nadine Connell
Commercial Finance Broker
Commercial Property Purchase Loan Rates & Terms
Property Type |
Interest Rate |
Max LVR |
Loan Terms |
|---|---|---|---|
Office/Retail CBD |
5.85% - 9.30% |
80% |
Up to 30 years |
Warehouse/Industrial |
5.85% - 9.30% |
80% |
Up to 25 years |
Medical/Professional |
5.75% - 7.50% |
90% |
Up to 30 years |
Regional/Rural |
6.20% - 9.20% |
70% |
Up to 20 years |
Key Rate Factors
Business Strength: Your financials and trading history directly impact rates
Property Quality: Prime locations can secure rates 1% better than secondary sites
Owner-Occupier Advantage: Buying your business premises typically saves 0.5-1% on rates
Cost Category |
Typical Amount |
When Payable |
|---|---|---|
Property Deposit |
20% of purchase |
Contract exchange |
Stamp Duty |
1.5-5.5% (varies by state) |
Settlement |
Legal Fees |
$2,500-$8,000 |
Settlement |
Valuation |
$1,500-$4,000 |
Application |
Building Inspection |
$800-$2,500 |
Before contract |
Loan Establishment |
0.5-1% (min $3,000) |
Settlement |
Cost Planning Tips
Budget Total: Plan for 35-40% of purchase price in total cash requirements
State Differences: NSW/VIC have highest stamp duty, QLD/WA are lower
GST: Check if you can claim input tax credits on the purchase
Step |
Timeframe |
Key Actions |
|---|---|---|
1. Pre-Qualification |
48-72 hours |
Submit financials • Get borrowing capacity |
2. Formal Application |
7-14 days |
Submit full application • Order valuation |
3. Loan Approval |
14-21 days |
Meet conditions • Sign loan documents |
4. Settlement |
Week 4-6 |
Final inspection • Transfer ownership |
Timeline Tip
Allow 6-8 weeks total from property identification to settlement, with finance pre-qualification giving you confidence in your budget before searching.
Lender Type |
Max LVR |
Best For |
|---|---|---|
Major Banks |
80% |
Prime properties • Established businesses |
Regional Banks |
80% |
Regional properties • Local businesses |
Non-Bank Lenders |
80% |
Higher LVR • Unique properties |
Private Lenders |
75% |
Urgent settlements • Complex deals |
Lender Selection Strategy
Broker Advantage: Many competitive lenders only work through accredited brokers
Rate vs LVR: Higher LVR options often come with higher rates - balance deposit against long-term costs
Feature |
Options |
Considerations |
|---|---|---|
Repayment Structure |
P&I or Interest Only |
I/O improves cash flow but increases total cost |
Interest Rate Type |
Variable • Fixed • Split |
Fixed rates have break costs if exiting early |
Offset Account |
100% offset • Partial • None |
Valuable for tax planning and cash management |
Extra Repayments |
Unlimited • Capped • Not allowed |
Check restrictions on fixed rate loans |
Feature Selection Tips
Cash Flow Priority: Interest-only periods can improve short-term cash flow for growing businesses
Flexibility Balance: Variable rates offer more features but fixed rates provide certainty
Commercial Property Loan Application Documentation Checklist
Speed up your approval by having these documents ready - complete applications can cut approval time in half
💡 Pro Tip
Having all documents ready before applying can reduce your approval time by 50% or more. You may also need Cash Flow Projections and a Business Plan, both of which our team can prepare for you.
Commercial Property Loan Repayments Calculator
Calculate accurate loan repayments with separate capital and interest amounts for Australian business owners
Loan Details
Your Results Will Appear Here
Enter your loan details and click calculate to see your repayment breakdown
Repayment Breakdown
Calculator Benefits
Designed for Australian business owners with separate capital and interest breakdown. Interest is typically tax-deductible for business property loans.
Commercial Loan Features
- Terms typically 5-25 years
- Rates from 6.20% p.a.
- LVR up to 80%
- Fast approvals available
Disclaimer: This calculator is provided for illustration purposes only and does not constitute financial advice or a loan offer. Calculated figures are estimates only, may be inaccurate, and do not reflect actual lender terms or fees. Actual loan amounts, rates, repayments, and eligibility will vary based on your specific circumstances and lender assessment. Do not base any financial decisions on this calculator. Contact our team for a tailored quote.
Benefits of working with us
Stronger Application
We present your business financials in the most effective way possible, improving your chances of a successful application and getting great rates and terms. We also prepare your business plan and cash flow forecast when needed.
Better Rates &Terms
We compare multiple lenders and present suitable options from 60+ lenders. We consider loan features like offset accounts, redraw facilities, payment flexibility and approval timeframes.
Avoid Mistakes
We help you avoid the common mistakes we see people make every day. From getting stuck with high rates to having loan applications rejected because the information wasn't structured the right way for the lender.
Frequently asked questions
What is a commercial mortgage and how does it work?
A commercial mortgage is a form of business loan designed to let your purchase commercial property. It can be used for purchasing business premises, or for investing in commercial properties.
Key features: Typically a 20-30% deposit is required, with terms ranging from 1-30 years, and interest rates from p.a. In most cases the property secures the loan, and lenders assess both property value and business cashflow for business owner-occupiers. Repayment options include principal & interest or interest-only periods up to 5 years.
How much deposit do I need for a loan to buy commercial property?
Owner-occupier: The typical deposit required for a commercial property loan is 20-30% of the property value.
Investment property: The typical deposit required for a commercial property loan is 25-35% of the property value.
Example: A $1M property would require $200K-$300K deposit, plus 5-6% additional costs (stamp duty, legal fees, valuations etc). Some specialist lenders offer up to 80% LVR for strong applications with prime properties and solid cashflow.
What's included in commercial property finance beyond the purchase price?
Additional costs total 5-6% of purchase price:
- Stamp duty (varies by state)
- Legal fees: $3,000-$15,000
- Building inspection: $1,500-$3,000
- Valuation: $2,000-$5,000
- Loan establishment: 0.5-1% of loan amount
It’s often possible to include these costs in your commercial property loan amount if you have sufficient equity. We advise you to budget approximately $50K-$90K in extra costs for a $1M property purchase.
What are current interest rates for commercial property loans?
Current ranges for commercial property interest rates as at 26 September 2025:
- Owner-occupier: 5.85% – 8.35% p.a.
- Investment property: 5.99% – 8.00% p.a.
- Variable rates: Offer flexibility and offset account access
- Fixed rates: Typically 0.3%-0.5% higher, but provide budget certainty
- Interest-only: Add about 0.15%-0.25% but reduce monthly payments
You can estimate you loan repayments using our Commercial Property Loan Repayments Calculator. Your exact rate will depend on property type, loan amount, deposit size, and business financial strength. Call 1300 262 098 to speak to our team and get a free, no obligation quote.
Why use a commercial property loan broker instead of going direct to banks?
There are many reasons to work with an experienced Commercial Property Loan Broker instead of going to a lender directly. The top advantages are:
- You get immediate access to 60+ lenders, some of whom are only accessible via an accredited broker vs single bank option
- You can often get access to better rates & terms through our lender relationships
- Your credit score will not be affected by negotiating with several lenders at the same time
- You can achieve higher approval rates via expert application structuring
- You will save a ton of time as we handle the entire process
- There is no upfront fee, and typically no cost to you as our time is compensated directly by the lender
How long does commercial property loan approval and settlement take?
Getting a commercial real estate loan can take anywhere from 1 to 12 weeks, with 4-8 weeks being the most common timeframe. Factors such as the complexity of the commercial loan and lender requirements affect the overall time required.
A common commercial property loan timeline:
- Pre-qualification: 1-2 weeks with complete documentation
- Formal approval: 2-4 weeks after property contract signed
- Settlement: 4-6 weeks from contract exchange
- Fast-track options: Some specialist lenders offer 2-3 week settlements
A critical factor that will affect speed to approval is your documentation completeness – incomplete applications can extend timeframes by 2-4 weeks. Our streamlined process and lender relationships typically achieve faster approvals than direct applications.
What commercial property documentation is required for loan approval?
Essential commercial property loan documents include:
- Business financials: Normally 2 years financial statements and tax returns
- Bank statements: 6 months business and personal accounts
- Property documentation: Contract of sale, building reports, rental appraisals
- Business plan: A business plan and cash flow projections are common requirements of a commercial property loan application. Unlike other brokers or lenders, we can prepare your business plan and cash flow forecast for you.
- Personal identification: Copies of your driver’s license, Medicare card, and asset statements are typically required. Refer to our full documentation checklist here.
Professional tip: Having complete documentation ready can reduce approval time by 50%. We can prepare business plans and cash flow forecasts if required by your chosen lender.
Have a question? Just ask!
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