Semper Commercial Term Loan

Product details

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

Loan amount

From $500K

Rate

From 8.50% p.a.First mortgage from 8.50% p.a.; second mortgage from 12% p.a. Semper 'Price Guide by LVR' on its Terms and Fees page, "First Mortgage Prices From:": 8.50% pa at 50% LVR, 8.75% pa at 60% LVR, 9.05% pa at 65% LVR, from 10.75% up to 75% LVR; "Second mortgages from 12% pa". No as-at date is printed on the page (page metadata last modified 4 May 2026); figures as displayed on 2026-09-26. The price guide is lender-wide, not split by product, and does not itself say fixed or variable (rate type is from the Products page). Interest "Monthly in advance via Direct Debit, or prepaid / capitalised for +0.50% loading". Final pricing is set in the letter of offer.

Rate type

Fixed for loans up to 12 months, or pegged to RBA for longer terms

Term

From 3 mths

Security

Property-secured

Structure

Term loan

Fees

Establishment fee of 0.825% to 2.2% · Application fee of $750 to $1,500 plus GST, paid upfront · Valuation fee at cost · Legal fee at cost

Repayment frequency

Monthly

Early repayment

If interest is paid monthly, no penalty for repaying early after the documented minimum loan term; if interest is prepaid, generally no financial benefit in repaying early

Time trading

Not published

Turnover

Not published

Documents

Photo ID of all applicants, rates and water rates notices for each property, ATO portal for each company, trust and guarantor, trust deeds, and bank statements for servicing accounts and existing mortgages

Guarantees

Full Doc and Low Doc: senior GSA over the borrowing entity and guarantees from associated companies, directors and shareholders; Light Touch: negotiable

Funding time

Application usually considered within 3 days of receiving the valuation report

Restrictions

Loans to businesses (commercial borrowers) secured by real property; offer conditional on the borrower being a company, trust or partnership registered for GST; specialist sites not considered

How to apply

Direct with the lender, or through us

Suitable purposes

Cash flowTax debtRefinanceBuy a businessGrowth