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
- 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
- Not published by Semper
- time trading, turnover
- Suitable purposes
- Cash flowTax debtRefinanceBuy a businessGrowth
About Commercial Term Loan
Semper publishes these details for Commercial Term Loan: structure term loan; loan amount from $500K; term from 3 mths; security property-secured; documentation 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; funding time application usually considered within 3 days of receiving the valuation report. Not published by Semper for this product: maximum LVR, time trading, turnover. Ask the lender or a finance specialist to confirm these before you apply.
How it differs from other Semper products
- Bridging Loan: Structure is term loan here and bridging loan for Bridging Loan; term is from 3 mths here and up to 1 yr for Bridging Loan; suitable purposes is cash flow, Tax debt, Refinance, Buy a business, Growth here and something else for Bridging Loan.
