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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.

Commercial Property FinanceRefinance & Debt Consolidation
Source dated 23 Sept 2026
Amount
Up to $3M
Term
Up to 30 yrs
Rate
From 8.04% p.a. (comparison from 8.30% p.a.)
Security
Property-secured
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Product details

As published by Bluestone. Details not published by the lender are marked.

Loan amount
Up to $3M
Rate
From 8.04% p.a. (comparison from 8.30% p.a.)Traditional Income P&I; Flexible Income from 8.64% p.a. (comparison from 8.92% p.a.). Rates vary by risk, LVR, term and amount. Comparison rates based on $150,000 over 25 years and may not include all fees
Term
Up to 30 yrs
Security
Property-secured
Structure
Term loan
Fees
Application fee up to 1.25% of the amount borrowed · Settlement $120; legal from $400; document vetting $525; valuation by quote · Monthly account keeping $15; variation from $250; discharge $500
Early repayment
Early repayment fee of 2.0% of the original loan amount if discharged within 3 years
Documents
Alt doc: 6 months BAS, 6 months business bank statements, an accountant's letter and tax returns
Restrictions
Australian or NZ citizen or permanent resident aged 18+; max LVR 80%; interest-only up to 5 years
How to apply
Direct with the lender, or through us
Not published by Bluestone
rate type, repayment frequency, time trading, turnover, guarantees, funding time
Suitable purposes
Commercial propertyRefinanceGrowth

About Commercial Property Loan

Bluestone publishes these details for Commercial Property Loan: structure term loan; loan amount up to $3M; term up to 30 yrs; security property-secured; documentation alt doc: 6 months BAS, 6 months business bank statements, an accountant's letter and tax returns; suitable purposes commercial property, Refinance, Growth. Not published by Bluestone for this product: maximum LVR, time trading, turnover, funding time, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Bluestone products

  • SMSF Property Loan: Bluestone publishes documentation (alt doc: 6 months BAS, 6 months business bank statements, an accountant's letter and tax returns) for this product but not for SMSF Property Loan; suitable purposes is commercial property, Refinance, Growth here and commercial property, Refinance for SMSF Property Loan.

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More from 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
Rates and other criteria
Rate
From 7.74% p.a. (comparison from 8.02% p.a.)
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for Bluestone SMSF Property Loan

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