Commercial Property Loans:
All You Need to Know

Looking to buy an office, warehouse, or shopfront? A commercial property loan could be your key to long-term income, business growth, or a smart SMSF investment. Whether you’re a seasoned investor, business owner, or SMSF trustee, we’re here to help you unlock lending that fits your goals—without the fluff.

What Is a Commercial Property Loan?

A commercial property loan is a type of finance used to purchase real estate that’s primarily for business use. This could be a retail shop, office space, warehouse, medical suite, or even a childcare centre. Unlike residential loans, commercial loans are assessed based on the income the property generates, your business strength, or both.

At York Finance, we help you navigate the ins and outs—whether you’re buying a property for your own operations, for lease income, or as part of an SMSF strategy.

How to Get a Commercial Property Loan in Australia

So, how do you get started?

Getting a commercial loan might sound daunting—but with the right guidance, it doesn’t have to be. Here’s a breakdown:

• Get Your Financials in Order
  Lenders want to see stable income, good credit history, and a reasonable deposit—often 20–30%.

• Choose the Right Loan Structure
  Will it be interest-only, principal & interest, or a short-term facility? That depends on your goals.

• Assess the Property
  Is it income-producing? Located in a strong area? These affect your rates and borrowing power.

• Submit Your Application
  We’ll package your deal to give it the best chance of approval across multiple lenders.

Need help? We’re pros at showing you how to get a commercial property loan that suits your cash flow and investment strategy.

Commercial Property Loan Rates in Australia

Interest rates on commercial loans vary more than residential ones. Why?

They’re influenced by:

• The type of property (retail, office, industrial)

• Your financials

• Loan size and loan-to-value ratio (LVR)

• Whether you’re applying as a business or through an SMSF

Typical commercial property loan rates (as of now) start from around 5.5% p.a. but can range up depending on risk, location, and lender appetite.

Want clarity on your specific rate? We’ll do the shopping for you—bank, non-bank, or private lender—we’ll find what fits.

Try Our Commercial Property Loan Calculator

Curious about what your repayments might look like?

Use our commercial property loan calculator to estimate repayments based on loan amount, term, and interest rate. It’s a simple way to run the numbers before diving in.

What Types of Property Can You Purchase With a Commercial Loan?

If it’s not a house and it generates income, chances are you can finance it. Common property types include:

• Office buildings (small suites to full-floor tenancies)

• Retail shops (from suburban storefronts to shopping strips)

• Industrial warehouses (logistics, storage, or distribution hubs)

• Childcare centres

• Medical and dental suites

• Petrol stations & service centres

• Hotels and motels

• Mixed-use developments

Some lenders specialise in certain asset types, so choosing the right one makes a big difference—especially for more niche or specialised properties.

How Long Is a Commercial Property Loan?

Loan terms are flexible and typically range from 1 to 30 years. Here’s what to expect:

• Shorter terms (5–10 years) often with balloon repayments

• Longer terms (15–30 years) for owner-occupied or low-risk assets

• Interest-only periods may be available, especially if you need to preserve cash flow

• Refinancing options available when your needs change or the market shifts

So if you’re wondering how long is a commercial property loan—the answer is: as long as you need it to be, within reason.

SMSF Commercial Property Loans

Yes, your SMSF can purchase commercial property—and it’s a powerful strategy when done right.

With a smsf commercial property loan, you can:

• Buy a business premises for your own company to rent from your SMSF

• Invest in long-term income-producing property

• Access capital growth while enjoying tax efficiency

But it’s not without complexity—there are rules around structure, contributions, and borrowing limits. We’ll help ensure your SMSF loan meets the ATO’s requirements and makes financial sense.

Why Choose York Finance for Your Commercial Property Loan?

We’re not a bank—we’re better. As mortgage brokers, we work for you, not the lender.

• Access to over 50 lenders, including bank, non-bank, and private

• Specialised support for SMSF, investment, and business borrowers

• We do the legwork and fight for better rates, terms, and flexibility

• Local, Sydney-based support—national reach

Whether it’s a $400k strata suite or a $4 million warehouse, we can structure funding that aligns with your goals.

Frequently Asked Questions (FAQs)

Q: How do I qualify for a commercial property loan?
You’ll need good financials, a reasonable deposit (typically 20–30%), and a clear investment or business case.

Q: What’s the minimum deposit required?
Usually 20% of the property’s value, but it can vary. Low-doc and lease-doc options may allow flexibility.

Q: Can I get a loan through my SMSF?
Yes, provided your fund complies with borrowing rules and investment strategy requirements.

Q: How are interest rates determined?
Rates depend on risk—property type, your credit profile, lease terms, and lender appetite.

Q: Can I refinance a commercial property loan?
Absolutely. You can refinance to reduce your rate, release equity, or restructure terms.

Let’s Finance Your Next Commercial Purchase

Got a property in mind? Not sure where to start? Use our calculator, send us a quick message, or request a free finance proposal today.

We make commercial property lending simple, strategic, and stress-free.

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