Commercial Property & Business Loans — Practical Lending for Your Business Premises

Commercial property LVRs are often lower than residential. Most lenders require a 20-35% deposit depending on the property type, location and your business financials. Some specialist lenders may go higher for strong applications. We assess your position and find the best match.

Often yes, commercial rates tend to be higher than standard residential rates. However, the gap depends on factors like your deposit size, business strength, property type and which lender you use. We compare options across multiple lenders to find the most competitive structure for your situation.

Many business owners do purchase commercial property through their SMSF, and it can be a tax-effective strategy. There are specific rules around limited recourse borrowing arrangements (LRBAs), and the property must meet the sole purpose test. We work alongside your accountant to structure this correctly.

Sometimes yes — using home equity as additional security can improve your borrowing position and potentially secure better rates. However, it also means your home is at risk if the business loan defaults. We assess this carefully and make sure you understand the full picture before proceeding.

It depends on your overall cashflow and how existing debts are structured. Having existing business loans does not automatically disqualify you. We help present your financials clearly to lenders, showing how the new loan fits within your overall business position and repayment capacity.