Commercial property loans are used to purchase, refinance, or develop commercial real estate — including offices, retail spaces, industrial units, warehouses, and mixed-use properties. They're assessed differently from residential loans, with lenders considering the property's income potential, your business financials, and the loan-to-value ratio.
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Why Choose Wiseman Financial?
Frequently asked questions
What LVR is available on commercial property?
Most lenders will lend up to 65–70% LVR on commercial property. Some specialist lenders may go higher for strong business borrowers. Residential property backing can sometimes supplement commercial security.
Can I use a company or trust to purchase commercial property?
Yes, and many business owners do. The lending structure and assessment criteria vary depending on the entity type. We match you with lenders who accommodate your preferred structure.
Do I need a business plan or financial statements?
For owner-occupied commercial loans, most lenders require 2 years of business financials plus personal tax returns. For investment commercial loans, the property's income is a primary consideration.
Are commercial loan rates higher than residential?
Yes, typically. Commercial loans carry higher rates reflecting the increased complexity and risk profile. Rates vary significantly depending on LVR, property type, and lender.