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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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
Why this appears
Final terms and eligibility depend on lender assessment.
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
Why this appears
Final terms and eligibility depend on lender assessment.
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
Why this appears
Final terms and eligibility depend on lender assessment.
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
Why this appears
Final terms and eligibility depend on lender assessment.
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)
Why this appears
Final terms and eligibility depend on lender assessment.
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
Why this appears
Final terms and eligibility depend on lender assessment.
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
Why this appears
Final terms and eligibility depend on lender assessment.
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
Why this appears
Final terms and eligibility depend on lender assessment.
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
Why this appears
Final terms and eligibility depend on lender assessment.
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
Why this appears
Final terms and eligibility depend on lender assessment.
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.