Adelaide Commercial Property Loans Up To 80% LVR
Adelaide commercial property loans from $500K-$100M+. Expert finance brokers, 60+ lenders. LVR’s from 60-80%. All Adelaide metro and regional areas – CBD, Mawson Lakes, Port Adelaide, Glenlg, West Torrens, Gawler, Mount Baker, Angle Vale, Onkaparinga and more.
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Adelaide Commercial Property Loan Rates & Terms Summary (last checked 10 September 2025)
Current Market Rates
- Interest Rates: 6.10% - 8.40%
- Commercial Yields: 5.0% - 7.5% typical
- Max LVR: Up to 75%
Loan Terms & Speed
- Minimum Loan: [sbp_min_cp_loan]
- Approval Time: [sbp_approval_time]
- Lender Panel: 60+ active lenders
Popular Adelaide Property Types
What's Driving Adelaide's Commercial Property Market?
🏗️ Defence & Healthcare Expansion
Adelaide’s defence capital status is transforming commercial property with the $90 billion Naval Shipbuilding Program at Osborne driving unprecedented demand. Lot Fourteen’s $550 million investment establishes Adelaide as a defence-tech hub. The $1.8 billion Women’s and Children’s Hospital plus Flinders Medical upgrades fuel medical property demand, sparking 25% rental growth in northern industrial corridors.
📊 Consistent Yield Performance
Adelaide commercial properties deliver 6.0-7.5% net yields versus residential’s 3.5%, attracting defensive investors. CBD offices yield 6.5% with just 13.8% vacancy – outperforming Melbourne’s 18%. Medical properties command $400/sqm rents while defence corridor industrial achieves $120/sqm, providing stronger cash-on-cash returns than eastern capitals.
📊 Stable Market Fundamentals
Adelaide maintains 3-4% annual growth without eastern market volatility. Office occupancy holds at 86.2% with government tenants providing stability through 15-year medical and 10-year defence leases. Capital values rose 18% over 5 years steadily, backed by Adelaide’s strong credit rating ensuring consistent, lower-risk returns.
📈 Strategic Growth Corridors
Adelaide targets 1.5 million population by 2030 with the $2 billion City Deal revitalizing CBD precincts. Port Adelaide achieved 35% value growth with industrial land at $350/sqm. Airport expansion and Export Park attract $500 million private investment, ensuring steady appreciation without bubble risks.
Adelaide Commercial Property Loan Types
We broker strategic finance solutions for South Australia's stable commercial property market - from the Big 4 Banks to Regional and Specialist Lenders.
Purchase Loans
Finance your Adelaide commercial property acquisition with competitive rates. From North Adelaide medical suites to Port Adelaide industrial spaces, we structure optimal solutions.
Refinancing
Replace existing debt to access better rates or release equity for expansion. With Adelaide's steady appreciation and defence sector growth, unlock capital for opportunities.
Construction Finance
Fund your Adelaide development project with staged drawdowns aligned to construction milestones. From Lot Fourteen precinct to suburban medical developments.
SMSF Loans
Use your super to purchase Adelaide commercial property with tax advantages. Popular for medical centres in Unley and professional suites in the CBD.
Bridging Finance
Fast short-term funding for auctions and time-critical opportunities. Secure Adelaide properties while defence contracts and City Deal drive competition.
Development Finance
Comprehensive funding for Adelaide property development projects. From defence precinct expansions to healthcare facility developments with structured facilities.
Nadine Connell
Commercial Finance Broker
Adelaide Commercial Property Loan Areas
We help our clients secure commercial property loans throughout Greater Adelaide, from the CBD to defence corridors. Our deep understanding of Adelaide's stable market dynamics and defence sector growth ensures optimal lending terms for every precinct.
Adelaide CBD & North Terrace
Financing for prime office towers, government-tenanted buildings and Lot Fourteen innovation precinct. The CBD's stable 13.8% vacancy rate and AAA-rated government tenants attract competitive lending terms.
North Adelaide & Medical Precincts
South Australia's premier medical and professional services hub. Proximity to Royal Adelaide Hospital and specialist clinics commands premium lending with long-term lease security.
Port Adelaide & Defence Corridor
Australia's defence shipbuilding capital with $90 billion Naval program driving demand. Industrial properties benefit from 25% rental growth and long-term defence contracts.
Eastern Health & Education Belt
Adelaide's established medical and retail corridor anchored by major hospitals. Professional suites and specialist medical centres achieve $400/sqm rents with minimal vacancy.
Northern Industrial Zone
Adelaide's logistics and defence technology hub with sub-3% vacancy. Distribution centres and advanced manufacturing benefit from transport links and skilled workforce.
Southern Business Districts
Adelaide's emerging commercial corridor with City Deal transformation. Mixed-use developments and creative industries benefit from urban renewal and proximity to CBD.
Adelaide Commercial Property Loan Rates & Terms
Market rates from 6.10%Location Impact on Your Rate (Indicative Only)
Base rate: 6.10% for prime CBD properties
- Adelaide CBD Base rate
- North Adelaide Base to +0.20%
- Unley +0.15% to +0.35%
- Norwood +0.20% to +0.40%
- Mile End +0.30% to +0.55%
- Thebarton +0.35% to +0.60%
- Port Adelaide +0.45% to +0.70%
- Mawson Lakes +0.50% to +0.75%
- Regency Park +0.55% to +0.80%
- Wingfield +0.60% to +0.90%
- Beverley +0.70% to +1.00%
- Outer Industrial +0.85% to +1.25%
Nadine Connell
Commercial Finance Broker
Adelaide Market Investment Strategies
Defence Corridor Development
We are seeing clients target properties within 5km of Osborne Naval Shipyard. The $90 billion shipbuilding program is driving unprecedented demand with Port Adelaide industrial already seeing 25% rental growth. Next opportunities might be: Outer Harbor, Gillman, and Wingfield industrial precincts.
Medical Precinct Expansion
We think commercial assets near the new Women's and Children's Hospital site seem set for steady appreciation. Consider North Adelaide, Parkside, and Wayville for medical suites with 15-year lease stability. Prime zones: Melbourne Street corridor, Greenhill Road medical strip, Hutt Street specialists.
Urban Renewal Arbitrage
Consider purchasing older buildings in Mile End and Thebarton before City Deal completion. Convert aging industrial into creative spaces or mixed-use developments commanding 20-30% rental premiums. Focus areas: Henley Beach Road corridor, Railway Terrace, West Thebarton precincts.
Application Readiness Checklist
Typical commercial property loan applications require the following documents. Our team will assist getting everything together if needed.
Nadine Connell
Commercial Finance Broker
Browse by Commercial Property Type
Frequently asked questions
What are current commercial property loan rates in Adelaide?
Adelaide commercial property loan rates range from 6.00% to 9.50% p.a. depending on the lender and property type. Major banks on our lender panel tend to offer the best rates for prime CBD assets (6.00%-7.65%), while second-tier banks provide competitive rates for healthcare and defence sector properties (6.75%-8.95%). Our private lenders offer faster approvals at 7.85%-15.50% for complex or urgent transactions.
How much deposit do I need for a commercial property in Adelaide?
Most Adelaide commercial property loans we help facilitate require a 30-35% deposit (65-70% LVR). Some prime CBD properties and government-tenanted buildings may qualify for up to 70-75% LVR with major banks. Industrial properties in the defence corridor typically require 35% deposit due to specialised tenant requirements. Medical suites in established precincts like North Adelaide can access 70% LVR (or more) with strong tenant covenants.
Which Adelaide suburbs offer the best commercial property investment returns?
Adelaide’s highest-yielding commercial property suburbs currently include areas such as Port Adelaide (6.5-7.5% for industrial), North Adelaide (6-7% for medical suites), and Mile End (6.5-7% for mixed-use). The CBD offers stable 6-6.5% returns (which lenders like), and often with government tenants. Defence corridor properties in Edinburgh Parks and Osborne can command premium rents with 10-15 year lease security.
How long does commercial property finance approval take in Adelaide?
Loan approval in Adelaide for commercial property loans are typically 7-28 business days with major banks, 7-14 days with second-tier lenders, and 48-72 hours with private lenders. Properties in established areas like the CBD or North Adelaide can often receive faster approvals. Complex transactions involving defence contractors or medical facilities may require additional due diligence time. Having all your documentation ready from the get-go can greatly assist faster approvals.
What types of commercial properties qualify for the best rates in Adelaide?
Adelaide properties qualifying for the best rates include CBD office buildings with government tenants, medical suites in North Adelaide or Unley, defence-related industrial spaces in Port Adelaide, and retail properties on King William Road or Rundle Mall. Properties with long-term leases (10+ years), stable tenants, and locations within 5km of the CBD typically have access to the best rates.
Can I use my SMSF to buy commercial property in Adelaide?
Yes you can access SMSF commercial property loans to buy business real estate in Adelaide from 7.45% p.a. with up to 70% LVR. Popular SMSF investments include medical suites in Unley, professional offices in North Adelaide, and small industrial units in Mile End. Your business can lease the property from your SMSF, providing tax advantages while building retirement wealth through Adelaide’s stable property market.
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