Rates aren't published. Terms are negotiable. Every deal is different. That's why having someone who knows the landscape matters.
With a home loan, you can compare rates on a website and get a pretty good idea of where you stand. Commercial lending doesn't work that way. Rates aren't published. Every deal is assessed individually — based on your business's trading history, the type of property, the lease terms, and what security you can offer.
That means the terms you get depend heavily on how your application is presented and who you're talking to. Specialist commercial lenders think differently from residential mortgage departments, and knowing which lenders suit which deals makes a real difference.
Commercial finance covers a range of situations: buying the premises your business operates from, investing in commercial property, mixed-use developments, or financing business expansion. Each has different criteria and different lenders who are the best fit.
Commercial rates aren't on a comparison website — they're negotiated based on your deal. Your business history, the property type, and the security you offer all factor in. How you present the application matters.
Not all lenders do commercial finance, and those that do think very differently from residential mortgage departments. A broker with commercial experience knows which lenders suit which types of deals — and who's likely to say yes.
Commercial finance covers owner-occupied premises, investment commercial property, mixed-use developments, and business expansion. Each situation has different criteria and different lenders who are the right fit.
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A home loan is fairly standardised — lenders publish their rates and criteria, and most applications follow the same process. Commercial lending is the opposite. Rates are negotiated, criteria vary significantly by lender and property type, and the assessment looks closely at your business's cash flow, trading history, the lease situation (if any), and the overall security. Loan terms are also typically shorter — often 10–15 years rather than 30.
Most commercial lenders require 20–30% deposit, though this varies depending on the property type, your business profile, and the specific lender. Some deals can be structured with a lower deposit if there's additional security available. A broker will assess your position and give you a realistic picture before you start shopping.
Sometimes. Commercial lenders can structure deals that cover both property and business assets, though they're assessed differently. Equipment is typically handled through asset finance — a separate product with different criteria. A broker can look at your full picture and work out whether combined or separate facilities make more sense for your situation.
Longer than a home loan. Commercial applications involve more documentation — business financials, tax returns, lease agreements, property valuations — and lenders take more time to assess them. A straightforward deal might take 3–6 weeks. More complex deals can take longer. Starting early and having your documents in order makes a real difference to the timeline.
No commitment, no paperwork. Just a conversation about where you're at and what your options look like.