Commercial Property Loans

When Is a Commercial Property Loan the Right Choice?

A commercial property loan is designed to help individuals or businesses acquire properties used for commercial activities such as offices, warehouses, factories, retail outlets, or mixed-use spaces. Unlike standard home loans, these loans come with distinct features, including different loan terms, higher deposit expectations, rental yield considerations, and potential tax benefits.

Whether you’re a business owner wanting a stable operating location or an investor aiming for long-term income and capital growth, commercial lending can be a powerful tool to accelerate your expansion.

Who Commercial Property Loans Are For

Commercial property loans cater to a wide range of buyers and business needs. At The Finance Guide, we help you structure your loan strategically no matter your background, industry, or investment goals.

Business Owners: For those wanting to secure their own premises and build long-term stability instead of leasing.
Property Investors: Ideal for investors looking to diversify their portfolio with higher-yield commercial assets and longer lease terms.
Property Developers: A smart option for developers acquiring commercial sites for future construction, redevelopment, or subdivision projects.
Expats & Non-Residents: Tailored solutions for Australians living overseas or international buyers investing in Australia’s commercial real estate market.

Key Features

Key Features of The Finance Guide’s Commercial Property Loans

Loan Terms Up to 25 Years

Flexible long-term loan structures tailored to your investment or business needs.

Flexible Repayment Options

Choose from interest-only or principal-and-interest repayments, depending on your cash flow strategy.

LVRs Up to 75%

Borrow up to 75% of the property value (subject to property type, location, and purpose).

Competitive Interest Rates

Access both fixed and variable rate options designed to support sustainable returns.

Low-Doc & Alt-Doc Solutions

Perfect for self-employed clients or borrowers without traditional financial documentation.

Private Lending Pathways

Specialist lending options for complex, urgent, or non-standard commercial scenarios.

Loan Structures We Support

Buying in Your Business Name: Have your business directly own the commercial property, allowing you to build equity, strengthen your balance sheet, and leverage the asset for future financing opportunities.
Buying in Your Personal Name or Through an SMSF: Purchase the property personally or via your Self-Managed Super Fund, then lease it back to your business. This strategy helps grow your personal wealth while giving your company long-term stability of premises.
Buying Through a Trust or Partnership: If you’re purchasing via a trust, company, or joint investment structure, we help you navigate more complex ownership models to ensure everything is set up for tax efficiency and long-term growth.