Commercial Property Loans

Commercial Loans for retail, office and industrial freehold for investors and owner occupiers. Development finance for retail and industrial units. Call us on 1800 GO ADEN

Finance solutions for commercial property and property development

  • Purchase of retail, industrial, residential and commercial property
  • Construction retail, industrial, residential and commercial property
  • Child care centers, hotels, motels, caravan parks and petrol stations
  • High LVR where you can borrow up to 80% of the properties value
  • True NO DOC commercial loans
  • Credit impaired solutions
  • Low Doc, No Doc and Lease Doc commercial loans available

Talk to Our Friendly Commercial Loan Consultants

1800 GO ADEN

Pick a commercial loan package to suit your needs

What are commercial property loans?

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.

Which legal structure are able to borrow for commercial property?

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

What loan to value ratio can I get on a commercial real estate loan?

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.

Annual review of my serviceability for the commercial property loan

Many lenders require that you undertake an annual review of the serviceability of the commercial loan.

What loan term is available for commercial property loans

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.

Can I refinance my commercial property loan to get cash out?

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

What is a valuation of a commercial property?

A valuation of a commercial property is a process resulting in a formal document that can help you to obtain finance to buy the property.

The scope of a commercial property valuation is much greater than a valuation of a residential property. Commercial properties are generally larger and built on more expensive land than houses, the sums of money involved are much greater and the responsibilities of the valuer are therefore more onerous than for valuation of a residential property.

Commercial loan cost may vary depending on lenders

  • Application Fee
  • Established fee
  • Monthly Service Fee
  • Valuation fee

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  • Compare 100+ of home loans
  • Your needs, goals & requirements always come first
  • We will meet you at a time and place that is convenient for you

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