Commercial Loans
Own the building your business runs from, or the right investment. Your Commercial Blueprint starts with the structure question, then your deal is tested against lender policy before it goes in.
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Commercial
Commercial loans for owners, investors and developers
Whether you’re buying premises, adding an investment or funding a project, your broker shapes the loan around the property, the lease and your plans.
Commercial investment property
Shops, offices and warehouses assessed on the lease, the tenant and the yield, presented the way lenders read them before you commit.
Buying your own premises
Turn the rent you pay into equity in a building you own, with repayments structured to sit comfortably beside your business cash flow.
Equipment and business finance
Vehicles, equipment and working capital funded without tying up the cash your business runs on, with repayments matched to how you earn.
Refinancing commercial loans
Expiring terms, a review date or a sharper offer elsewhere: we test your current loan against what the property and lease support today.
The right buying structure
Own name, company, trust or SMSF: the buying structure shapes your deposit and lender options, so we line it up with your accountant first.
Development finance
From site purchase to completion, funding structured around your feasibility, presales and each lender’s appetite for the project type.
What’s changed in 2026
What’s moving for commercial owners and investors, from tax thresholds to rates, each from its official source.
Decided 3 Nov 2026
Commercial rates follow the cash rate
The cash rate rose to 4.85% on 3 November. Variable commercial rates generally move with it, so lenders test your interest cover at the higher rate. Run the lease income against the new repayments before you commit.
Published 1 Oct 2026
Lenders are competing for commercial loans
The Reserve Bank’s October 2026 review found strong competition for commercial property lending from banks and non-banks, with some lenders easing their terms. Appetite still varies by property type and lender.
Starts 1 Jul 2027
Small business CGT threshold rises to $10 million
From 1 July 2027, small businesses with turnover up to $10 million can use the 50% active asset reduction when they sell business assets, up from $2 million. Your accountant can tell you how it applies.
Better to know
Lenders treat an office, a warehouse and a childcare centre very differently. Some property types need a bigger deposit, and some lenders avoid them entirely. We match your property to lenders with an appetite for it before you sign, so your time goes where the appetite is.
Frequently asked questions
How much deposit do I need for a commercial property loan?
Usually 20 to 35% of the price, plus costs, depending on the property type, the lease, the lender and the strength of your application. Equity in another property can sometimes reduce the cash you put in. We work out what’s realistic before you make an offer.
How much cash do I need at settlement?
More than the deposit. Allow for stamp duty, legal and valuation fees, lender fees and possibly GST, which can apply to commercial property unless it’s sold as a going concern. Your broker adds it up early, and your accountant and solicitor confirm the tax side.
Why are commercial loan rates higher than home loan rates?
Commercial loans are priced on risk: the property type, the lease, the tenant and the borrower all count, and terms are often shorter. Rates vary widely between lenders and deals, which is why we match your property to lenders with an appetite for it.
Can I use my home as security for a commercial loan?
Often, yes. Equity in your home can reduce the deposit you need or strengthen the application, but it puts your home at risk if the loan isn’t repaid. We look at whether it’s needed and how it could be released later, then you decide.
How are you paid?
Lenders pay us a commission when your commercial loan settles, and usually an ongoing commission after that. We tell you what we’ll be paid before we recommend anything, so you can see exactly how we’re paid.