Commercial Property Loans Australia

Business Owner — Buy Your Premises

Owning your business premises builds equity instead of paying rent — and gives you control over your space. Owner-occupied commercial loans are often assessed more favourably than investment commercial, as your trading income is used alongside any rental income.

Commercial Property Investor

Investing in commercial property — offices, retail, industrial — offers higher yields than residential but requires specialist lending. Lease terms, tenant quality and property location all influence lender appetite. We identify the right lenders for your specific asset.

Industrial & Warehouse Buyer

Industrial property has become one of Australia's strongest-performing asset classes. We work with lenders who understand industrial assets — including specialist industrial estate lending, owner-occupier factories and logistics hubs.

Medical & Allied Health Practice

Professional service and healthcare premises often attract preferential commercial lending terms. Several lenders offer specialised products for medical, dental and allied health practice purchases — we know which and how to structure your application.

Mixed-Use Property Buyer

Mixed-use properties — commercial ground floor with residential above — require lenders who understand the combined income and security structure. We work with lenders who actively write mixed-use loans and can assess both income streams.

Commercial Refinancer

Many business owners haven't reviewed their commercial loan rate in years. Commercial rates are more negotiable than residential — and brokers with active commercial relationships can often achieve significantly better terms than the borrower would get directly.

Finance the purchase of commercial premises for your own business use. Assessment considers your business trading income alongside the property's value. Often achieves better LVR and pricing than pure investment commercial loans.

Finance an income-producing commercial property (office, retail, industrial). Assessment is heavily weighted to lease terms, tenant quality and property location. A specialist commercial broker finds lenders whose appetite matches your specific asset.

Hotels, motels, childcare centres, medical centres, service stations and mixed-use developments. These assets require lenders with specific appetite for the asset class. Rates and LVR vary significantly — a broker with specialist commercial experience finds the right match.

What is a commercial property loan and how is it different from a home loan?

A commercial property loan is used to purchase or refinance a property that is not a standard residential dwelling — such as an office, retail space, warehouse, factory or mixed-use building. Unlike home loans, commercial lending is assessed heavily on the property's income-producing potential, the borrower's business financials, lease terms and the property's location and type. Rates, LVR limits and loan terms also differ significantly from residential lending, and fewer lenders are active in this space.

How much deposit do I need for a commercial property loan?

Most lenders require a 25–35% deposit for commercial property, meaning they will lend up to 65–75% of the property's value (LVR). The exact requirement depends on the property type, location, whether it is tenanted, and the strength of the borrower's financials. Some specialist lenders may go higher in certain circumstances. Unlike residential lending, LMI is not typically available for commercial property, so the deposit requirement is a firm threshold.

Can I use a commercial loan to buy my business premises?

Yes — purchasing owner-occupied commercial property is one of the most common uses of commercial lending. Many business owners prefer to own rather than lease their premises, building equity over time. Owner-occupied commercial loans are often assessed differently from pure investment commercial loans, as the business's trading income and lease history are factored into serviceability. An SMSF can also purchase business premises under an LRBA, provided the property is leased to the fund member's business on arm's-length terms.

What types of commercial property can be financed?

K&M Capital brokers can assist with financing across a wide range of commercial property types, including office buildings, retail shops and shopping centres, warehouses and industrial units, factories, medical and childcare centres, hospitality venues (hotels, motels, restaurants), and mixed-use buildings with both commercial and residential components. Lender appetite varies by property type and location — a broker with specialist commercial experience can identify which lenders are most suited to your specific asset.

Are commercial loan rates higher than residential rates?

Yes, commercial loan rates are generally higher than residential rates, typically by 1–3% or more depending on the lender, property type and loan structure. This reflects the higher risk and complexity of commercial lending. Rates are also more commonly negotiated on a case-by-case basis rather than published as standard rates. A broker who actively places commercial loans can negotiate better pricing and terms than approaching lenders directly, particularly for non-standard or specialist properties.