Commercial property loan
A commercial property loan finances an office, retail, industrial or mixed-use property, whether owner-occupied by a business or held for investment, and is assessed on the property's income and the borrower's business as well as the security.
Commercial property loan, explained.
Commercial loans typically run to lower LVRs than residential loans, shorter terms with reviews, and pricing that reflects the property type, the lease and the tenant. Lenders look at the lease term remaining, the interest cover the rent provides, and the borrower's trading figures.
Owner-occupied commercial property is often assessed more favourably than investment property because the business's own occupation removes the vacancy risk, and it can be held personally, in a company, a trust or a super fund.
Tools that use this term.
What will the repayments be?
Loan repayments calculator: principal and interest, interest-only for a period, weekly or monthly, with or without extra repayments.
OpenToolWhat will the government charge?
Stamp duty calculator: transfer duty can be a significant buying cost and differs by state, purpose and eligibility.
OpenLonger reads from the archive.
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The Learn section is general information about lending in Australia. It does not take account of your objectives, financial situation or needs, is not credit assistance, and is not tax, legal or financial advice. Lender policies, government schedules and regulations change; check the current position with the relevant body or with us before relying on it.
