Commercial Property Calculator
*Calculator provides estimates only. Actual rates, terms, and lending criteria vary by lender and property type.
What Lenders Consider
Rental Yield
Lenders assess whether rental income covers loan repayments. Higher yields improve serviceability.
Tenant Quality
Long-term leases with quality tenants (government, ASX companies) attract better rates and LVRs.
Location & Zoning
Prime locations and flexible zoning improve property value and financing options.
DSCR
Debt Service Coverage Ratio shows if income covers debts. Most lenders require 1.2x minimum.
Property Types We Finance
Office Buildings
LVR up to 75%Finance for office spaces from small suites to large commercial towers.
Retail Properties
LVR up to 70%Shopping centres, strip retail, standalone shops, and hospitality venues.
Industrial & Warehouses
LVR up to 75%Factories, warehouses, distribution centres, and industrial estates.
Mixed-Use Developments
LVR up to 65%Properties combining residential, retail, and commercial uses.
LVR Guide by Property Type
| Property Type | Owner-Occupied | Investment | Typical Rate |
|---|---|---|---|
| Office Building | Up to 80% | Up to 70% | 6.5-8% |
| Retail Property | Up to 75% | Up to 65% | 6.8-8.5% |
| Industrial/Warehouse | Up to 80% | Up to 70% | 6.5-7.5% |
| Hospitality | Up to 65% | Up to 55% | 7-9% |
| Development Site | Up to 65% | Up to 60% | 8-12% |
*LVRs and rates are indicative only and vary by lender, tenant quality, and location.
What We Can Help With
Property Purchase
Finance to acquire commercial property for your business or investment portfolio.
Refinancing
Restructure existing commercial loans for better rates or terms.
Development Finance
Construction and development funding for commercial projects.
Equity Release
Access equity in existing properties for expansion or new opportunities.
Why Work With Us?
Competitive rates from major banks and non-bank lenders
Loan amounts from $500,000 to $50M+
Flexible terms up to 25 years
Interest-only periods available
Specialist commercial finance team
Quick turnaround on applications
Our Process
Initial Assessment
We review your requirements, the property, and your financial position to identify suitable lenders.
Loan Structuring
We design the optimal loan structure considering tax, cash flow, and your business needs.
Application & Valuation
We prepare a comprehensive loan submission and coordinate the commercial valuation.
Approval & Settlement
We negotiate final terms and manage the settlement process with all parties.
Frequently Asked Questions
What LVR can I borrow for commercial property?
Commercial property LVRs typically range from 65-80% depending on the property type, tenant quality, and loan purpose. Owner-occupied properties may qualify for higher LVRs than investment properties. Some specialist lenders offer up to 80% for strong applications.
What are typical interest rates for commercial loans?
Commercial property rates are typically 0.5-2% higher than residential rates, currently ranging from 6.5-9% depending on the lender, LVR, property type, and loan structure. We work with multiple lenders to find the most competitive option for your situation.
Can I get interest-only on a commercial loan?
Yes, many commercial loans offer interest-only periods of 1-5 years, which can help with cash flow, especially for new acquisitions or developments. Principal and interest repayments typically follow the interest-only period.
What documentation is required?
Commercial loan applications require: 2-3 years financial statements and tax returns, current lease agreements, property details and valuation, business bank statements, and details of existing facilities. We'll guide you through the exact requirements.
How long does commercial finance approval take?
Commercial loan approval typically takes 2-6 weeks depending on complexity. Simple refinances may be faster, while development finance can take longer. We manage the process to achieve the quickest possible turnaround.
Can I use my commercial property as security for other loans?
Yes, commercial properties can be used as security for business loans, lines of credit, or cross-collateralised with other properties. This can sometimes achieve better rates or higher borrowing capacity. We can advise on the best structure.