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Compare commercial property finance

Commercial property finance funds the purchase or refinance of offices, warehouses, factories, retail shops and other non-residential property. Loans are usually secured by the property itself.

51 products from 24 lenders · Last checked 29 Sept 2026

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51 products from 24 lenders

Commercial Property Finance products

Private lenderVia broker

Aquamore Commercial Property Loan

Short-term business property loan of $300K to $7.5M through brokers, to help businesses purchase or refinance property, over 3 to 24 months.

Amount
$300K to $7.5M
Term
3 mths to 2 yrs
Security
Property-secured
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 26 Sept 2026
Details for Aquamore Commercial Property Loan
Private lender

Assetline Capital Horizon Mortgages - Commercial (Full Doc and Alt Doc)

Long-term loan secured by commercial property for PAYG and self-employed borrowers and trusts, $250,000 to $5M, full doc or alt doc.

Amount
$250K to $5M
Term
Not published
Security
Property-secured
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 26 Sept 2026
Details for Assetline Capital Horizon Mortgages - Commercial (Full Doc and Alt Doc)
Private lender

Assetline Capital Horizon Mortgages - Lease Doc

Long-term commercial property loan from $250,000 to $3M assessed primarily on the property's lease income.

Amount
$250K to $3M
Term
Not published
Security
Property-secured
Rate
From 7.79% p.a.
Max LVR
Up to 70%
Trading
Not published
From lender's website, 26 Sept 2026
Details for Assetline Capital Horizon Mortgages - Lease Doc
Private lender

Assetline Capital Horizon Mortgages - SMSF (commercial property)

30-year SMSF loan secured by commercial property, $250,000 to $5M, with alt doc pathways available.

Amount
$250K to $5M
Term
Up to 30 yrs
Security
Property-secured
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 26 Sept 2026
Details for Assetline Capital Horizon Mortgages - SMSF (commercial property)
Bank

Bendigo Bank Lease Doc Loan

Commercial property investment loan up to $3M, assessed on the income from the commercial lease, with the term aligned to the lease.

Amount
$200K to $3M
Term
Not published
Security
Property-secured
Rate
Rate available on application
Repayments
Monthly
Trading
Not published
From lender's website, 25 Sept 2026
Details for Bendigo Bank Lease Doc Loan
Property-backed non-bank

Bluestone Commercial Property Loan

Commercial property loan up to $3M over up to 30 years for purchase, refinance or equity release, with traditional or flexible income options.

Amount
Up to $3M
Term
Up to 30 yrs
Security
Property-secured
Rate
From 8.04% p.a. (comparison from 8.30% p.a.)
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for Bluestone Commercial Property Loan
Property-backed non-bank

Bluestone SMSF Property Loan

SMSF property loan up to $3M for commercial or residential property, for SMSFs with a corporate trustee and at least $200K in net assets.

Amount
Up to $3M
Term
Up to 30 yrs
Security
Property-secured
Rate
From 7.74% p.a. (comparison from 8.02% p.a.)
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for Bluestone SMSF Property Loan
Bank

BOQ Commercial Rate Loan

Commercial loan from $500,000 over 1 to 5 years for property investment or business acquisitions, secured by property, business assets or guarantees.

Amount
From $500K
Term
1 yr to 5 yrs
Security
Secured
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for BOQ Commercial Rate Loan

Commonwealth Bank Lease Doc Loan

Loan up to $5 million to buy or refinance a tenanted commercial investment property, assessed on the property's rental income.

Amount
Up to $5M
Term
Up to 5 yrs
Security
Property-secured
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for Commonwealth Bank Lease Doc Loan
Asset and equipment financier

Finance One Commercial Commercial Advantage Loan

Business loan of $250,000 to $10 million over 6 to 24 months, secured by a first or second mortgage over commercial or residential property.

Amount
$250K to $10M
Term
6 mths to 2 yrs
Security
Property-secured
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for Finance One Commercial Commercial Advantage Loan
Property-backed non-bank

Firstmac SMSF Commercial Loan

Loan for a self managed super fund to buy or refinance commercial property, up to $2M over a term of up to 30 years.

Amount
Up to $2M
Term
Up to 30 yrs
Security
Property-secured
Rate
7.69% p.a. variable
Max LVR
Up to 80%
Trading
Not published
From lender's website, 26 Sept 2026
Details for Firstmac SMSF Commercial Loan
Private lenderRelated party

fundU Commercial Property Loan

Private business-purpose loan secured by commercial or other acceptable real estate, to buy or refinance property or release equity for a business purpose.

Amount
Not published
Term
Not published
Security
Property-secured
Rate
Individual assessment
Repayments
Not published
Trading
Not published
From lender's website, 26 Sept 2026
Details for fundU Commercial Property Loan
Customer-owned bank

Great Southern Bank Secured Business Loan

Secured business loan of $20,000 to $5M for buying a business or franchise, commercial property, equipment and fit outs or cash flow.

Amount
$20K to $5M
Term
Not published
Security
Secured
Rate
7.25% to 7.75% p.a. variable
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for Great Southern Bank Secured Business Loan
Private lenderRelated party

HomeSec Business Finance First Mortgage Business Loan

First mortgage business loan from $20K to $5M secured over Australian property, including commercial property purchases, for business or investment use.

Amount
$20K to $5M
Term
Not published
Security
Property-secured
Rate
Individual assessment
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for HomeSec Business Finance First Mortgage Business Loan
BankVia broker

Judo Bank Bridging Finance

Short-term loan from $250K, typically up to 12 months, for commercial property purchase or refinance, pre-development funding or residual stock.

Amount
From $250K
Term
Up to 1 yr
Security
Not published
Rate
Base rate plus margin
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for Judo Bank Bridging Finance
Property-backed non-bank

La Trobe Financial Commercial Full Doc Loan

Commercial property loan with full doc verification, $100,000 to $50 million over up to 30 years, to buy or refinance shops, offices, light industrial or warehouses.

Amount
$100K to $50M
Term
Up to 30 yrs
Security
Property-secured
Rate
From 7.89% p.a. variable
Max LVR
Up to 75%
Trading
Not published
From lender's website, 26 Sept 2026
Details for La Trobe Financial Commercial Full Doc Loan
Property-backed non-bank

La Trobe Financial Commercial Lease Doc Loan

Commercial property loan assessed on rent from a third-party leased property, $100,000 to $50 million over up to 30 years, to buy, refinance or consolidate debt.

Amount
$100K to $50M
Term
Up to 30 yrs
Security
Property-secured
Rate
From 7.89% p.a. variable
Max LVR
Up to 75%
Trading
Not published
From lender's website, 26 Sept 2026
Details for La Trobe Financial Commercial Lease Doc Loan
Property-backed non-bank

La Trobe Financial Commercial Lite Doc Loan

Commercial property loan for self-employed borrowers using an accountant's letter and declaration, $100,000 to $50 million over up to 30 years.

Amount
$100K to $50M
Term
Up to 30 yrs
Security
Property-secured
Rate
From 8.29% p.a. variable
Max LVR
Up to 75%
Trading
Not published
From lender's website, 26 Sept 2026
Details for La Trobe Financial Commercial Lite Doc Loan
Property-backed non-bank

La Trobe Financial Commercial Rural Loan

Interest-only loan up to $2 million over up to 5 years, secured by non-metro rural property over 100 acres used for business purposes.

Amount
$100K to $2M
Term
Up to 5 yrs
Security
Property-secured
Rate
From 9.74% p.a. variable
Max LVR
Up to 55%
Trading
Not published
From lender's website, 26 Sept 2026
Details for La Trobe Financial Commercial Rural Loan
Property-backed non-bank

La Trobe Financial Commercial SMSF Loan

Loan for a self-managed super fund to buy or refinance commercial investment property, $100,000 to $10 million over up to 30 years.

Amount
$100K to $10M
Term
Up to 30 yrs
Security
Property-secured
Rate
From 7.49% p.a. variable
Max LVR
Up to 75%
Trading
Not published
From lender's website, 26 Sept 2026
Details for La Trobe Financial Commercial SMSF Loan
Property-backed non-bank

La Trobe Financial Residual Stock Loan

Development exit finance for developers to refinance completed but unsold residential or commercial stock, $100,000 to $50 million over up to 5 years.

Amount
$100K to $50M
Term
Up to 5 yrs
Security
Property-secured
Rate
From 8.24% p.a. variable
Max LVR
Up to 75%
Trading
Not published
From lender's website, 29 Sept 2026
Details for La Trobe Financial Residual Stock Loan
Property-backed non-bank

Liberty Financial Commercial SMSF Loan

SMSF loan from $100K to $4M for commercial property used for business purposes, up to 80% LVR.

Amount
$100K to $4M
Term
Not published
Security
Property-secured
Rate
From 7.65% p.a.
Repayments
Weekly, Fortnightly, Monthly
Trading
Not published
From lender's website, 23 Sept 2026
Details for Liberty Financial Commercial SMSF Loan
Property-backed non-bank

Liberty Financial Lease Income Loan

Commercial property loan from $100K to $4M over up to 30 years, for investors only, up to 80% LVR.

Amount
$100K to $4M
Term
Up to 30 yrs
Security
Property-secured
Rate
From 8.00% p.a.
Repayments
Weekly, Fortnightly, Monthly
Trading
Not published
From lender's website, 23 Sept 2026
Details for Liberty Financial Lease Income Loan
Property-backed non-bank

Liberty Financial Low Doc Commercial Loan

Low doc commercial property loan from $100K to $8M over up to 30 years for established businesses, owner-occupiers and investors.

Amount
$100K to $8M
Term
Up to 30 yrs
Security
Property-secured
Rate
From 8.00% p.a.
Repayments
Weekly, Fortnightly, Monthly
Trading
Not published
From lender's website, 23 Sept 2026
Details for Liberty Financial Low Doc Commercial Loan
Property-backed non-bank

Liberty Financial Low Rate Commercial Loan

Commercial property loan from $100K to $10M over up to 30 years for owner-occupiers and investors, up to 80% LVR.

Amount
$100K to $10M
Term
Up to 30 yrs
Security
Property-secured
Rate
From 7.50% p.a.
Repayments
Weekly, Fortnightly, Monthly
Trading
Not published
From lender's website, 23 Sept 2026
Details for Liberty Financial Low Rate Commercial Loan
Property-backed non-bank

Liberty Financial Short Term Commercial Loan

Short-term commercial property loan from $100K to $4M over up to 3 years, at a fixed rate, for owner-occupiers and investors.

Amount
$100K to $4M
Term
Up to 3 yrs
Security
Property-secured
Rate
From 9.80% p.a. (fixed)
Repayments
Weekly, Fortnightly, Monthly
Trading
Not published
From lender's website, 23 Sept 2026
Details for Liberty Financial Short Term Commercial Loan
Property-backed non-bankVia broker

MA Money Commercial Loan

Commercial property loan through brokers, $100,000 to $8 million over up to 30 years, for purchase, refinance, cash out, debt consolidation or ATO debt.

Amount
$100K to $8M
Term
Up to 30 yrs
Security
Property-secured
Rate
From 7.79%
Max LVR
Up to 80%
Trading
Self-employed: ABN 24+ months and GST 12+ months (Prime); ABN 12+ months and GST 6+ months (Near Prime)
From lender's website, 26 Sept 2026
Details for MA Money Commercial Loan
Property-backed non-bankVia broker

MA Money SMSF Commercial Loan

Loan for a self-managed super fund to buy commercial property or refinance an SMSF loan, through brokers, $100,000 to $8 million over up to 30 years.

Amount
$100K to $8M
Term
Up to 30 yrs
Security
Property-secured
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Self-employed: ABN 24+ months and GST 12+ months (Prime)
From lender's website, 26 Sept 2026
Details for MA Money SMSF Commercial Loan
Bank

Macquarie Bank Property-Backed Loan

Business loan secured by residential or commercial property to buy commercial or investment property or expand a business, with terms up to 30 years.

Amount
Not published
Term
Up to 30 yrs
Security
Property-secured
Rate
Individual assessment
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for Macquarie Bank Property-Backed Loan
Invoice and trade financier

Moneytech Commercial Property Loan

Commercial property loan from $100,000 to $2.5M to buy or refinance business premises, release equity or consolidate debt, secured by commercial property.

Amount
$100K to $2.5M
Term
Not published
Security
Property-secured
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for Moneytech Commercial Property Loan
Property-backed non-bank

Mortgage House Chameleon - Pure Commercial Low Doc 50

Low doc variable rate loan secured by commercial property for business purposes, $150,000 to $1.5M up to 50% LVR, for purchase, refinance or equity release.

Amount
$150K to $1.5M
Term
Not published
Security
Property-secured
Rate
8.19% p.a. variable
Max LVR
Up to 50%
Trading
Not published
From lender's website, 26 Sept 2026
Details for Mortgage House Chameleon - Pure Commercial Low Doc 50
Property-backed non-bank

Mortgage House Chameleon Commercial - Pure Commercial 50

Variable rate loan secured by commercial property for business purposes, $150,000 to $2M up to 50% LVR, for purchase, refinance or debt consolidation.

Amount
$150K to $2M
Term
Not published
Security
Property-secured
Rate
7.69% p.a. variable
Max LVR
Up to 50%
Trading
Not published
From lender's website, 26 Sept 2026
Details for Mortgage House Chameleon Commercial - Pure Commercial 50
Property-backed non-bank

Mortgage House Chameleon Commercial - Pure Commercial 80

Variable rate loan secured by commercial property for business purposes, $150,000 to $2M up to 80% LVR, for purchase, refinance or debt consolidation.

Amount
$150K to $2M
Term
Not published
Security
Property-secured
Rate
8.54% p.a. variable
Max LVR
Up to 80%
Trading
Not published
From lender's website, 26 Sept 2026
Details for Mortgage House Chameleon Commercial - Pure Commercial 80
Property-backed non-bank

Pepper Money Commercial Property Loan

Commercial property loan up to $5M over 1 to 30 years for purchase, refinance or tax debt, with full doc and alt doc options.

Amount
Up to $5M
Term
1 yr to 30 yrs
Security
Property-secured
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for Pepper Money Commercial Property Loan
Property-backed non-bank

Pepper Money SMSF Loan (Business Real Property)

SMSF loan up to $5M for buying or refinancing business real property, for established, compliant SMSFs with a corporate trustee.

Amount
Up to $5M
Term
Up to 30 yrs
Security
Property-secured
Rate
7.09% to 9.99% p.a. (variable)
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for Pepper Money SMSF Loan (Business Real Property)
Property-backed non-bank

RedZed Commercial Loan

Commercial property loan for self-employed borrowers with full or alternative income verification, terms up to 30 years, to buy, refinance, pay tax debt or release equity.

Amount
Not published
Term
Up to 30 yrs
Security
Property-secured
Rate
From 8.18% p.a. variable
Max LVR
Up to 75%
Trading
Not published
From lender's website, 26 Sept 2026
Details for RedZed Commercial Loan
Property-backed non-bank

RedZed SMSF Commercial Property Loan

Loan for a self-managed super fund to buy commercial premises or commercial investment property, or refinance an existing SMSF loan.

Amount
Not published
Term
Not published
Security
Property-secured
Rate
From 7.65% p.a. variable
Repayments
Not published
Trading
Not published
From lender's website, 26 Sept 2026
Details for RedZed SMSF Commercial Property Loan
Asset and equipment financier

Resimac Secured Commercial Loan

Short-term business loan of $300,000 to $5,000,000 over 6 to 60 months, secured by commercial property, for property transactions, refinancing or cash flow.

Amount
$300K to $5M
Term
6 mths to 5 yrs
Security
Property-secured
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for Resimac Secured Commercial Loan
Bank

Suncorp Bank Agribusiness Loans

Secured loan from $500,000 over 1 to 15 years for primary producers, for property purchases, off-farm investments, capital improvements or consolidating finance.

Amount
From $500K
Term
1 yr to 15 yrs
Security
Property-secured
Rate
Rate available on application
Repayments
Not published
Trading
Not published
From lender's website, 26 Sept 2026
Details for Suncorp Bank Agribusiness Loans
Property-backed non-bankVia broker

Thinktank Commercial Full Doc Loan

Commercial property loan from $100K to $10M over up to 30 years for owner-occupiers or investors, assessed on full financials.

Amount
$100K to $10M
Term
Up to 30 yrs
Security
Property-secured
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank Commercial Full Doc Loan
Property-backed non-bankVia broker

Thinktank Commercial Mid Doc Loan

Commercial property loan for self-employed borrowers who can verify income without full financials, from $100K to $10M.

Amount
$100K to $10M
Term
Up to 30 yrs
Security
Property-secured
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank Commercial Mid Doc Loan
Property-backed non-bankVia broker

Thinktank Commercial Quick Doc Loan

Commercial property loan with the lightest documentation Thinktank offers, for borrowers who value speed and simplicity.

Amount
From $100K
Term
Up to 30 yrs
Security
Property-secured
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank Commercial Quick Doc Loan
Property-backed non-bankVia broker

Thinktank Commercial Lease Doc Loan

Commercial investment property loan assessed on the lease: for properties with at least a 2-year arm's length lease, over up to 25 years.

Amount
From $100K
Term
Up to 25 yrs
Security
Property-secured
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank Commercial Lease Doc Loan
Property-backed non-bankVia broker

Thinktank Commercial Specialised Securities Loan

Commercial loan secured by specialised premises that many lenders avoid, such as hospitality and some other purpose-built properties.

Amount
From $100K
Term
Up to 30 yrs
Security
Property-secured
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank Commercial Specialised Securities Loan
Property-backed non-bankVia broker

Thinktank Commercial Property Cash Out

Release equity from commercial property for business expansion, working capital, investment or property improvements.

Amount
$100K to $10M
Term
Up to 30 yrs
Security
Property-secured
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank Commercial Property Cash Out
Property-backed non-bankVia broker

Thinktank Commercial Line of Credit

Line of credit of up to $1M secured by commercial property, added to a Thinktank commercial loan, with no annual reviews.

Amount
Up to $1M
Term
Up to 5 yrs
Security
Property-secured
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank Commercial Line of Credit
Property-backed non-bankVia broker

Thinktank GST Funding Loan

Short-term funding for the GST on a commercial or SMSF property purchase, added to a Thinktank property loan.

Amount
Not published
Term
Not published
Security
Property-secured
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank GST Funding Loan
Property-backed non-bankVia broker

Thinktank Commercial Property Loan for Tax Debt

Commercial property loan where paying out ATO debt is part of the purpose. Thinktank lists tax debt as considered.

Amount
$100K to $10M
Term
Up to 30 yrs
Security
Property-secured
Rate
Rate available on application
Max LVR
Varies
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank Commercial Property Loan for Tax Debt
Property-backed non-bankVia broker

Thinktank SMSF Commercial Property Loan

Loan to a self managed super fund to buy or refinance commercial property, from $100K to $10M, including related-party premises.

Amount
$100K to $10M
Term
Up to 30 yrs
Security
Property-secured
Rate
Rate available on application
Max LVR
Up to 80%
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank SMSF Commercial Property Loan
Property-backed non-bankVia broker

Thinktank Private Commercial Loan

Short-term private loan from 3 months to 3 years secured by commercial property, up to $7.5M, for business or investment purposes with a clear exit.

Amount
$100K to $7.5M
Term
3 mths to 3 yrs
Security
Property-secured
Rate
Rate available on application
Max LVR
Up to 75%
Trading
Not published
From lender's website, 24 Sept 2026
Details for Thinktank Private Commercial Loan
Major bank

Westpac Business Loan

Secured business term loan from $10,000 with variable or fixed rates, for uses such as buying a business, capital investment, property or refinancing.

Amount
From $10K
Term
Not published
Security
Secured
Rate
From 7.91% p.a. variable
Repayments
Not published
Trading
Not published
From lender's website, 25 Sept 2026
Details for Westpac Business Loan

How commercial property finance works

Lenders look closely at the property type, location, lease terms and how the loan will be serviced, whether from your business income or from rent.

The lender values the property and sets a maximum loan-to-value ratio (LVR) that depends on property type and documentation. Terms can run for many years, with interest-only periods available from some lenders.

Who it suits

  • Owner-occupiers buying their premises
  • Investors buying tenanted commercial property
  • SMSF commercial property purchases
  • Refinancing an existing commercial loan

What lenders look at

  • Property type, location and valuation
  • Lease terms and tenant quality
  • Serviceability
  • Documentation level (full doc or low doc)

Things to watch

  • Maximum LVRs are usually lower than residential lending.
  • Specialised property types may need a specialist lender.

Commercial Property Finance: common questions

How much can I borrow for commercial property?

Maximum LVRs vary by lender, property type and documentation. Each product lists the details the lender publishes.

Can my SMSF buy commercial property with a loan?

Some lenders offer SMSF loans for business real property. Speak to your financial adviser about whether it suits your fund.

Related finance types

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