Commercial property, matched to the right lender.
Office, retail, industrial and mixed-use property each come with a different lender appetite, LVR ceiling and ICR expectation. A broker's job is to know which desk to approach first.
Different rules by property type.
Lenders treat commercial property differently by asset type. CBD and near-CBD office attracts more lenders than suburban office. Retail depends heavily on tenant quality and lease length. Industrial, especially near-port and logistics property, 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, where you buy the premises your own business operates from, is often simpler than a pure investment purchase. Some lenders will go to 80% LVR for owner-occupiers, compared with 65 to 70% for investors. We'll talk through 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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