Commercial property loans: loans for buying commercial property

Oak Laurel | Finance brokers 

Do you want to talk to a finance professional about getting a commercial loan? We can help.

Commercial property loans: finance for commercial real estate

We can arrange commercial property loans for:

  • Shops (retail premises, including mixed use)
  • Shopping centres
  • Car yards
  • Warehouses
  • Factories
  • Industrial sites
  • Petrol stations
  • Residential unit blocks
  • Boarding houses
  • Accommodation (hotels, motels, resorts, bed & breakfasts, caravan parks, backpackers)
  • Taverns / Pubs / Hotels
  • Restaurants
  • Aged care centres
  • Child care / preschools
  • Offices
  • Strata offices and office blocks
  • Professional rooms and suites
  • Function / reception centres
  • Property developments and land subdivisions
  • Farms and other rural properties

Not all lenders will accept every type of property for security.

commercial financing: commercial real estate loans

commercial property loan: commercial real estate loans

Contact us about your commercial finance needs.

An Oak Laurel mortgage broker will go through your project with you to ascertain the best way forward.

Call us:

+61 430 129 662


Oak Laurel Mortgage Broker

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Enquire about a commercial property loan now!

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Commercial property loans are generally different to that of residential property in terms of interest rates, Loan to Value Ratio (LVR) thresholds and other lender policies.

Commercial property is considered a more risky asset class compared to residential property as vacancy periods can be quite long. However, commercial property  is typically higher in yield. This asset class may be more suited to those who are in or approaching retirement or for business owners to hold their business premises in their self managed super fund (SMSF). Other benefits of commercial property are that it is usually subject to long term lease (e.g. 10 years). The tenant is usually responsible for most of the outgoings, such as council rates, insurance, repairs and maintenance.

Acceptable legal structures for commercial property borrowing are:

  • Individuals
  • Companies (private and public)
  • Trusts
  • Partnerships

The loan to value ratio (LVR) available for a commercial real estate loan will depend on your situation. If you have full documentation of your income you may be able to borrow up to 80% in some circumstances. If you have less documentation the loan to value ratio available will be less 75%, 70% or down to 65%. It will also depend on the amount of money that you are borrowing. Typically the less documentary evidence that you have of your income the lower the LVR that you will be able to have.

Furthermore, some property types are considered higher risk than others and the lenders may require a lower LVR for those property types.

Many lenders require that you undertake an annual review of the serviceability of the commercial loan. However, we have lenders that do not require annual reviews (this means it operates similar to a home loan).

Many lenders do require periodic re-valuation of the commercial property that you have used to secure the loan. However, we have lenders that do not require periodic property revaluations (this means that is similar to a home loan).

Many lenders require that the term for a Commercial property loan is to a maximum of 15 years, we can access loan terms of up to 25 years. A longer commercial property loan term,  up to 25 years can be convenient, especially for Self Managed Super Fund (SMSF) loans for commercial property.

Yes, some lenders allow you to refinance to release equity and get cash out for thing like property improvement, investment, working capital and business expansion.

Yes, we can assist you to refinance your commercial property loan to a better structure with more favourable loan terms or to obtain a lower interest rate.

Investing in commercial property

Find out what you need to know about investing in commercial property. Check out our commercial property buyers guide here:

Commercial loans

Find out about commercial finance that we can assist you with here:

Need property development funding?

Find out about property development funding here:

Need plant and equipment finance?

Find out about plant and equipment finance here:

Oak Laurel Finance Brokers – Commercial property finance made easy!

Oak Laurel Mortgage Broker