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Commercial Property Loans Sydney
Own Your Business Premises

By the Mortgagefy Team · Published 7 April 2026 · Last reviewed 29 April 2026

Offices, warehouses, retail spaces, and industrial units — we structure commercial property loans for business owners and investors. Access a panel of specialist commercial lenders through one broker.

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Commercial Property Finance Options

Every Type of Commercial Property Funded

Most Common

Owner-Occupied Commercial

Buy the premises your business operates from. Stop paying rent — build equity and fix occupancy costs long-term. LVRs up to 70–80% available.

Commercial Investment

Finance commercial properties leased to tenants. Offices, retail, industrial, and mixed-use investment properties. Strong yields compared to residential.

Industrial & Warehouse

Finance warehouses, factories, storage facilities, and industrial units. Strong demand across Western Sydney's logistics corridor.

Retail & Shopfront

Purchase or refinance retail spaces, strip shops, and strata retail units. We match you with lenders comfortable with retail tenancy risk.

Medical & Healthcare

Specialist lending for medical suites, dental practices, and allied health premises. Specialist lenders understand the healthcare sector.

Development Finance

Construction and development loans for commercial projects. Land & build, staged drawdown, presale requirements — we know the specialist lenders.

Why Commercial Finance is Different

Commercial Lending Has Different Rules — You Need a Specialist

Commercial property loans are assessed very differently from home loans. LVRs are typically lower (60–75%), rates are higher, and assessment focuses heavily on the income-generating capacity of the property and the strength of your business.

LVR Typically 60–75%

Commercial loans generally require a larger deposit than residential. We identify lenders offering higher LVRs for strong business cases.

Income Assessment is Key

Lenders assess rental income, WALE (weighted average lease expiry), and tenant strength — as well as your business financials. We prepare your case correctly.

Specialist Lenders Matter

Not all banks lend on commercial property. We access a wide panel of specialist commercial lenders — including non-banks who take a more flexible approach.

Free Commercial Property Finance Comparison

Tell us your property type and loan size — we'll compare options across a wide panel of commercial lenders and present your best path to approval.

  • Owner-occupied and investment properties
  • Banks and non-bank lenders compared
  • We prepare your application for best approval odds
  • A mortgage broker will contact you within 24 hours
Get My Commercial Finance Assessment

Ready to Buy Your Business Premises?

Get a free comparison across a wide panel of commercial lenders. A broker will contact you within 24 hours — no obligation, no credit check to enquire.

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Find your industry

Lenders look at a workshop differently from a medical suite or a café. Pick your type of business, or the situation you’re in, for what lenders want to see and how the deal usually works.

Trades & industrial

Health & care

Offices & professional

Retail & hospitality

Buying, refinancing & costs

Property types

Loan types & sizes

Guides

Areas we cover across Western Sydney

Commercial property loans in Wetherill Park — Warehouses, factory units and industrial strata.

Commercial property loans in Smithfield — Older workshops, factory units and yards.

Commercial property loans in Girraween — Compact industrial units for first-time commercial buyers.

Commercial property loans in Fairfield — Shopfronts, shop-top buildings and strata offices.

Commercial property loans in Bankstown — Strata offices, medical suites and mixed-use buildings.

Commercial property loans in Lakemba — High-street shops and shop-top buildings.

Commercial property loans in Parramatta — CBD strata offices and professional suites.

Commercial property loans in Blacktown — Industrial and showroom units.

Commercial property loans in Liverpool — Retail and professional suites in the city centre.

Commercial Property Loans Chatswood

Commercial Property Loans Macquarie Park

Commercial Property Loans Sydney CBD

Commercial Property Loans Newcastle

Commercial Property Loans Wollongong

Commercial Property Loan FAQs

Owner-occupier commercial loans commonly sit at 70–80% LVR, so a deposit of 20–30%. Investment commercial is commonly 65–75%. Specialised properties such as childcare centres, hospitality venues and service stations have a narrower lender market and usually lower LVRs. The property type, the lease and your business financials all affect the final figure.
No. Commercial loans don't use Lenders Mortgage Insurance the way residential loans do. Lenders manage risk with lower LVR limits, personal guarantees from directors and, in some cases, additional security such as equity in another property.
Full-doc uses two years of business and personal tax returns and financial statements. Low-doc relies on alternatives such as BAS, business bank statements or an accountant's letter. Lease-doc leans mainly on the lease and the rental income the property produces. Low-doc and lease-doc usually mean higher pricing and lower LVRs, and the lender still reviews you as the borrower.
Commercial rates are usually higher than owner-occupied home loan rates and vary widely by lender type, LVR, documentation and property. We don't publish a rate here because it would go stale quickly. Ask us for an indicative rate on your specific scenario.
Commercial loan terms are commonly shorter than the 30 years typical for a home loan, and interest-only periods may be available. Terms depend on the lender, the property and the strength of your application.
In many cases, yes, through a Limited Recourse Borrowing Arrangement. The property must meet the ATO's business real property test and be leased to your business at market rent if you occupy it. This is high-level information only. A licensed SMSF specialist and your accountant must confirm your situation before you commit. More on SMSF commercial loans.
Commercial valuers look closely at the income the property produces and the strength of the lease, as well as comparable sales. A tenanted building may be valued as a going concern or on vacant possession, which can produce very different figures. The borrower usually pays for the valuation.
Usually, yes. A lender may assess a shop-top or mixed-use building as residential or commercial security depending on the floor-space split, zoning and how it's titled. That classification changes the deposit and loan terms, so it's worth checking before you make an offer.

Get Your Free Commercial Property Finance Assessment

Answer a few quick questions about the property and your business. Free, no obligation, takes under 3 minutes.

Own Your Business Premises — Stop Renting — Practical Guide for Sydney Borrowers

Understanding own your business premises — stop renting is essential before committing to a home loan, refinance, or investment property purchase. This guide covers the key considerations Australian borrowers face in 2026, the documents you'll need, and how a specialist mortgage broker shortcuts the process.

What Lenders Actually Look At

Lender decisions hinge on three pillars: income (verified, stable, sufficient), expenses and debts (HEM benchmark + actual commitments), and asset/deposit position (savings, gift, equity). Your documentation tells this story — payslips, tax returns, BAS, bank statements, contracts. Specialist lenders weight these differently from major banks, which is why broker selection matters.

Document Checklist

Standard documents: 2 most recent payslips, latest PAYG summary or Notice of Assessment, 3 months bank statements, ID, and proof of deposit. Self-employed applicants additionally need 1–2 years of personal + business tax returns and BAS statements. Investors need rental statements; refinancers need their existing loan statements.

Common Mistakes to Avoid

Applying with one bank only, missing 2 years of self-employed history, undeclared overseas income, applying with multiple credit enquiries in 6 months, or applying with high credit card limits. Each of these can downgrade your application unnecessarily. A broker checks for these before submission.

Owner-Occupier: Buy Your Own Premises

If your business is paying rent today, that same monthly payment can often service a commercial loan on premises you own. See our Western Sydney guide to buying your business premises — includes a free rent-vs-buy calculator and the deposit, SMSF and lease-doc options at a glance.

Working with Mortgagefy

Free 20-minute initial call. We assess your situation, document needs, and target lenders. Strategy and document checklist sent to you within 24 hours. Application lodged within 2–5 days of complete documents. Settlement typically 4–6 weeks. No broker fees — lenders pay our commission upon completion.

Commercial property guides

Childcare Property Loans Commercial Property Loan Rates Australia 2026 Medical Practice Loans Sydney

Commercial loan guides by area
Commercial Property Loans North Sydney Commercial Property Loans Western Sydney Commercial Property Loans Newcastle Commercial Property Loans Sydney CBD Commercial Property Loans Wollongong Commercial Property Loans Blacktown Commercial Property Loans Chatswood Commercial Property Loans Girraween Commercial Property Loans Lakemba Commercial Property Loans Liverpool Commercial Property Loans Macquarie Park Commercial Property Loans Smithfield Commercial Property Loans Wetherill Park

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