Commercial lending, done properly.
Office, retail, industrial, your own premises — or the working capital behind them. Commercial finance has wider spreads, quirkier policies and fewer shop-window rates than home lending, which is precisely where a broker earns their keep. We arrange it across banks and specialist lenders, Australia-wide.
Four kinds of commercial work.
Stop paying someone else's mortgage — warehouse, shopfront, clinic or office. Owner-occupier commercial reaches the strongest LVRs, and buying through your SMSF remains fully available after the 2026 changes.
Office, retail, industrial and mixed-use with tenants in place. Lease-doc assessment can carry the deal on the rent alone when the tenancy is strong.
Dual-occ, duplex, townhouses and small subdivisions — senior debt structured to your build timeline and exit, mezzanine only where it genuinely helps.
Working capital, overdrafts, equipment and expansion funding sized to your cash-flow rhythm — not the other way around.
Different rules. Wider spreads. More to win.
LVRs and deposits: typically 65–80% LVR depending on asset and purpose — owner-occupiers at the top of that band, lease-doc investors nearer the bottom. Terms: commonly 15–25 years, interest-only widely used. Pricing: negotiated deal-by-deal on the asset, lease and covenant — the gap between a good and lazy outcome is far wider than in home lending.
Assessment paths: full-doc off your financials, lease-doc off the rent, low-doc where the story is strong but the paperwork is fresh. Choosing the right path before applying is most of the game — it changes lender, rate and LVR all at once.
Self-employed and buying? Your business income story and your premises purchase are one conversation — we run both.
Commercial finance, without the mystique.
How much deposit do I need for a commercial property?
Typically 20–35%. Strong owner-occupier deals with solid financials can reach 80% LVR with some lenders; lease-doc investment purchases usually sit nearer 65–70%. Add GST considerations, valuation and legal costs — commercial transactions carry more upfront friction than residential, and we map it all before you offer.
What is a lease-doc loan?
A loan assessed mainly on the property's lease income rather than your full financials — the rent covers the repayments, so tax returns take a back seat. Ideal for investors with strong tenancies; expect a slightly lower LVR and a margin for the convenience.
Can I still buy my business premises through my SMSF?
Yes — the 2026 SMSF borrowing ban only stopped residential lending. Business real property loans in super continue exactly as before: the fund buys the premises and leases it back to your business at market rent. See our full guide on commercial property in super.
How do commercial rates compare with home loan rates?
Usually 1–3% higher, priced on the asset, the lease and your covenant rather than a standard grid. Terms run shorter too — commonly 15–25 years, with interest-only periods widely used. The spread between lenders is far wider than in residential, which is exactly why broking matters more here.
How long does commercial finance take?
Two to six weeks depending on the asset and the lender's valuation queue. Development finance takes longer — feasibility, presales evidence and builder due diligence all add steps. Start the conversation before you sign anything.
Got a premises, project or purchase in mind?
One free chat: what it can borrow, which lenders want it, and what the structure should look like — before you sign anything.