Commercial property, financed structurally.
Office, retail, industrial, mixed-use. Each asset class has a different lender appetite, LVR ceiling, and ICR expectation. The broker's job is to know which desk to approach first.
Different rules by property type.
Commercial property lending is segmented by asset type. Office in CBD and near-CBD locations attracts wider lender appetite than suburban office. Retail is heavily dependent on tenant quality and lease length. Industrial — especially near-port and logistics — is the strongest asset class right now and attracts competitive pricing. Hospitality, accommodation, and service stations are specialised categories that only a handful of lenders will touch.
Owner-occupier commercial (you're buying the premises your own business operates from) is often a cleaner conversation than pure investment commercial — some lenders will go to 80% LVR for owner-occupiers vs 65-70% for investors. We'll flag the strategy in the discovery call.
Commercial property FAQs
What's an ICR and why does it matter?
Can I use an SMSF to buy commercial property?
How long are commercial loan terms?
Related pages
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