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Business Finance

Commercial Loans Property Finance | Best Interest Rates Australia

Our commercial loan company has connections with a selection of lenders that provide financial solutions for a range of commercial property purchases – buying your own premises, investing in existing commercial property or purchasing for a property development. This is a specialist lending sector requiring specialist lenders. Not all major banks will extend commercial property finance so our access to hard-to-source lenders may offer more competitive alternatives for your purchase.

Business Finance Commercial Loans Property Finance | Best Interest Rates Australia
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Comparison
Compare Commercial Property Interest Rates with other Loans

Interest rates can vary depending on the actual property, lender and other aspects of the transaction. As a guide to commercial credit in general, use our comparison calculator to generate repayments for comparing different types of facilities for consideration.

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Disclaimer: This interest rate chart is for comparison purposes only. Any offer made to you may be at an interest rate different from those displayed and may have a different repayment amount. Broker and lender fees and charges are not included in the calculations. Use of this resource is not an application, it is not an approval of and is not any indication of an offer for lending of any type or for any purpose.

17 May

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 17/05/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

17 May

Today's best rate

Finance Equipment From

4.99 % Fixed

* The interest rate is calculated on a secured loan for commercial use, effective 17/05/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

Tax Advantages of Commercial Hire Purchase

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Dedicated Specialist Lenders

There are key differences between home mortgage and residential property finance and commercial property finance. The major difference is in the security. This also defines, to a degree, the differences across the lenders that operate in this sector.

Lenders have a varying risk tolerance and vary in their specialist type of security. This sector is constantly changing due to the fluctuations in interest rates and the property market and lender enthusiasm to engage in this kind of loan. The variations determine the leverage required by individual lenders and how they assess each loan application.

Each application for commercial property loan is truly unique and we have collated a range of lenders so you can assess which is best suited to your purchase.

Diverse Solutions for Your Ventures
Finance for Wide Range of Commercial Real Estate

  • Factories and Manufacturing Premises
  • Warehouses
  • Commercial Units
  • Office Space – individual offices, whole floors, entire buildings
  • Retail Premises
  • Medical Centres and Facilities
  • Motels, Hotels, Caravan Parks and Pubs
  • Child Care Centres
  • Petrol Stations
Finding Chattel Mortgage Solutions
Improving Commercial Loan Application

Finance Options
Competitive, Flexible Finance Options

  • Fixed and Variable Interest Rates
  • Lending up to 80%
  • Security Options
  • Tailored Terms

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Sourcing Commercial Property Loans

Purchasing your own premises may represent a savvy decision and investment to avoid the variations in rent moving forward and provide long-term location certainty. Fixed terms and repayments on your property purchase may provide for better long-term commercial planning while providing the enterprise with a valuable asset to leverage against other loans.

Lenders tend to vary in how they assess income and other factors in regard to commercial property loans. Finding the right lender to suit your purposes may require considering a number of options. We can save you time with that stage of the process by providing you with a short-list of possible lenders.

Connect with us for lenders that may assist you with commercial property finance.

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FAQs
Commercial Property Financing

The purchase of business premises is included as a purpose for commercial property finance. The property may be the current place of business or a new premises on another site. The premises may be used as the operation of a business in many industry sectors including manufacturing, general offices, retail, medical, warehousing and others.

Yes. Investing in commercial property may be facilitated with this type of funding. Commercial investment properties may include commercial units, warehouses, retail outlets, medical centres, petrol stations, holiday parks, motels, hotels and pubs, commercial and industrial units and other properties used to carry on commercial operations.

Funding is available for the purchase of property for development. It may be for a new development or redevelopment of an existing site. The size and scope of the acquisition and purpose may determine the funding offer. This type of funding is not available through all lenders. Purchasers may seek to engage the assistance of a broker to source appropriate funding solutions.

No. There are a number of differences between funding for residential and commercial properties. One aspect is the security offered by the acquisition. The interest rates on funding will also be different. Commercial funding may take a different structure to residential mortgages. The lenders operating in the commercial sector vary from those in the residential sector.

The interest rate on funding arrangements for the acquisition of commercial properties may be fixed or variable. The choice may be as requested by the lender or the borrower. The size of the loan and the term of the funding may determine the type of rate applied.

The amount of the funding requested in proportion to the purchase price and/or valuation of the property will be subject to lender approval. Funding for the purchase of commercial properties are especially structured and negotiated to suit the specifics of the acquisition. Variations in the amount approved will vary across the lender market. There are lenders that do approve funding for up to 80% for some applicants.

Purchasing a holiday park or caravan park freehold as an investment would be included in the types of properties eligible for funding. The entire property and ongoing business concern may be acquired as the investment and the management and operation of the business leased out.

No. Business owners can seek funding to purchase premises for the operation of their own business. Purchases of premises which will not be the site of the owner’s operations may be acquired with investment property funding. Funding is available for both premises for conducting the business of the funding applicant and for investment purposes.

This area of the lending sector is very specialised and every application handled individually. Lenders enter discussions with purchasers of properties and negotiate an individually structured solution. Funding for large scale properties may require specialist lenders and cover a range of funding options.

The interest rate offered for funding purchases of commercial properties will vary based on a number of aspects. Primarily with this type of finance, the risk level is a major consideration. The credit profile and financial details of the applicant, including the owners and/or directors of the entity applying for finance may be assessed. The kind of property, location and prospects of the entity being conducted at the property would also be considered when an interest rate is offered. Interest rates are also subject to cash rate decisions made by the Reserve Bank of Australia.

Yes. Many buyers will seek to secure funding prior to making an offer on a property. Details of the property will form an integral part of the application assessment process. Funding may be applied for and approval given based on a specific property and specific loan amount. Loans can vary for different properties so approval would need to be sought for a specific property not general approval.

A wide range of properties may be eligible for funding on a commercial basis. These may include premises where ongoing enterprises are operating across many industries. These include factories, warehouses and logistics centres, medical operations, aged care facilities, office premises, retail stores, factories and processing facilities and many others.

Repayments on funding are determined by the type and size of the interest rate, the loan amount and the loan term. Where the interest rate is fixed the repayments would be fixed for the term as agreed. With a variable interest rate arrangement, the repayment amount is subject to change in line with rate variations. Individually structured arrangements may include an option where a flexible line of credit is arranged with varying repayment commitments.

Not all banks and finance companies will offer funding for the purchase of commercial properties. The portfolio selection of individual lenders may be limited to products other than this purpose. Some may offer options for the purchase of the premises of a business but not for new developments. Those seeking this type of funding may consider engaging a specialist broker to source the most suitable lender.

Individuals as opposed to commercial entities may be eligible for funding to purchase commercial properties. This type of purchase may be as an investment rather than as a premises to carry out an enterprise. All applications would be subject to approval by an appropriate lender.

Yes. Funding for the development of commercial properties can be complex. Funding may be required for the purchase of the land only or for the land and the building and works costs to fully develop the site. Lenders will work closely with borrowers to structure an arrangement which best meets the purposes. The solution may include a number of phases and varying lending arrangements over the term.

Purchases made off-the-plan may be subject to lender approval. Considerations may include the timeframe for completion of the site and settlement on the purchase. Specialist lenders may be sought through a broker to provide a solution for this type of funding.

Yes. Office buildings may take different forms of ownership. Ownership of the entire building may be retained by the developer or investor or individual floors or suites may be sold under separate titles. It is quite a common practice for enterprises or investors to purchase an entire floor of an office building. Funding is available for such acquisitions.

The age and condition of a building would form an integral part of the funding application assessment by the lender. The funding options may differ for new or older buildings based on the risk criteria of individual lenders. The purpose of the purchase – an investment or as the premises for the enterprises, may also affect the funding offer.

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Our Lenders

Trusted by 60+ lenders Australia-wide

Westpac
Liberty
Automotive Financial Services
Macquarie
Finance One
Commonwealth Bank
Pepper Money
Morris
National Australia Bank
RACV
Get Capital
Prospa
Grow
Selfco Leasing
Scottish Pacific