Brisbane Commercial Property Loans Up To 85% LVR
Brisbane commercial property loans from $500K-$100M+. Expert finance brokers, 60+ lenders. LVR’s from 60-85%. All Brisbane metro and regional areas – CBD, Fortitude Valley, Newstead, Spring Hill, Woolloongabba, Caboolture, Chermside and more.
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Brisbane Commercial Property Loan Rates & Terms Summary (last checked 10 September 2025)
Current Market Rates
- Interest Rates: 5.95% - 8.20%
- Commercial Yields: 5.0% - 6.0% typical
- Max LVR: Up to 85%
Loan Terms & Speed
- Minimum Loan: $400,000
- Approval Time: 7 - 28 days
- Lender Panel: 60 + active lenders
Popular Brisbane Property Types
What's Powering Brisbane's Commercial Property Boom?
Olympic Infrastructure Investment
2032 Games catalyzing commercial property transformation
The Cross River Rail, Brisbane Metro, and Queen's Wharf development are reshaping Brisbane's commercial landscape. Queen's Wharf alone represents a $3.6 billion investment, with the Neville Bonner Bridge already seeing 10,000 daily crossings. Cross River Rail's new underground stations have sparked 15-20% value increases in surrounding commercial precincts since 2022.
The Brisbane Metro's 21-kilometre network is creating unprecedented connectivity, with commercial properties along the route experiencing 30% rental growth in strategic corridors.
Occupancy Rates Strengthening
Return to office driving unprecedented tenant demand
Brisbane's commercial property market shows impressive resilience with CBD office vacancy dropping to 10.2% from previous highs, significantly outperforming Melbourne's 18% vacancy rate. Prime-grade offices in Fortitude Valley and South Brisbane are achieving 92% occupancy, with tech companies and government tenants driving demand.
The "return to office" momentum has accelerated, with physical attendance now back to 85% of levels seen over the past 5 years. Premium green-rated buildings command 12% rental premiums, ensuring stable returns for investors.
Yields Outperforming The South
Superior returns attracting national investment capital
Brisbane commercial properties deliver net yields of 5.0-6.0%, significantly above Sydney's 4.5% average. Prime Fortitude Valley locations command rents of $850/sqm annually, while emerging precincts like Newstead offer value at $450/sqm with stronger growth potential.
This yield differential makes Brisbane increasingly attractive to interstate investors seeking returns above inflation, particularly with industrial properties achieving 5.75-6.5% yields.
Population Growth Engine
Interstate migration fuelling commercial property demand
Greater Brisbane's population is set to reach 2.7 million by 2025, with interstate migration running at 30,000+ annually – the highest in Australia. This influx drives commercial property demand, with $90 billion in infrastructure investment planned through to 2032.
The Olympic effect is already visible, with commercial land values in key precincts up 40-50% since announcement. Government commitment to Brisbane as Australia's third city ensures sustained growth, with Queensland overtaking Victoria in economic momentum by 2026.
Ready to capitalise on Brisbane's Olympic-powered commercial property boom?
Get Expert Finance Solutions →Brisbane Commercial Property Loan Types
Strategic finance solutions for Queensland's booming commercial property market - from 5.95% p.a. with 60+ lenders.
Purchase Loans
Finance your Brisbane commercial property acquisition with competitive rates. From Fortitude Valley offices to South Brisbane tech hubs, we structure optimal solutions.
Refinancing
Replace existing debt to access better rates or release equity for expansion. With Brisbane values surging pre-Olympics, many owners can unlock significant capital.
Construction Finance
Fund your Brisbane development project with staged drawdowns aligned to construction milestones. From Queen's Wharf precinct to suburban developments.
SMSF Loans
Use your super to purchase Brisbane commercial property with tax advantages. Popular for medical centres and professional suites.
Bridging Finance
Fast short-term funding for auctions and time-critical opportunities. Secure Brisbane properties while Olympic infrastructure drives competition.
Development Finance
Comprehensive funding for Brisbane property development projects. From Cross River Rail precincts to Olympic venue developments with structured facilities.
Nadine Connell
Commercial Finance Broker
Brisbane Commercial Property Loan Areas
We help our clients secure commercial property loans throughout Greater Brisbane, from the CBD Golden Triangle to southern industrial zones. Our deep understanding of Brisbane's Olympic transformation and infrastructure boom ensures optimal lending terms for every precinct.
Brisbane CBD & Golden Triangle
Financing for prime office towers, Queen's Wharf developments and government-tenanted buildings. The CBD's 10.2% vacancy rate attracts competitive lending with institutional appetite for A-grade assets.
Fortitude Valley & Newstead
Brisbane's tech and creative epicentre with 92% occupancy rates. Character conversions and mixed-use developments attract strong lender interest, particularly for startup-focused spaces.
South Brisbane & West End
Cultural precinct transformation with Cross River Rail driving 15-20% value increases. Medical facilities near hospitals and education precincts command premium lending terms.
Northern Growth Corridor
Brisbane's northern powerhouse with airport proximity and major retail centres. Healthcare facilities and professional suites benefit from infrastructure upgrades and steady population growth.
Southern Industrial Belt
Queensland's logistics hub with sub-2% vacancy rates and 5.75-6.5% yields. Direct port and airport access drives strong lender confidence for warehouse and distribution facilities.
Eastern Business Districts
Brisbane's eastern commercial corridor anchored by Griffith University and major retail. Medical centres and professional services benefit from population growth and stable suburban returns.
Brisbane Commercial Property Loan Rates & Terms
Market rates from 5.95%Location Impact on Your Rate (Indicative Only)
Base rate: 5.95% for prime CBD properties
- Brisbane CBD Base rate
- Queen's Wharf Base rate
- Fortitude Valley +0% to +0.25%
- Newstead +0% to +0.35%
- South Brisbane +0.25% to +0.5%
- West End +0.35% to +0.5%
- Woolloongabba +0.5% to +0.75%
- Bowen Hills +0.5% to +0.75%
- Southern Industrial +0.5% to +0.85%
- Airport Precinct +0.65% to +0.95%
- Eastern Suburbs +0.75% to +1.15%
- Outer Suburban +1.0% to +1.35%
Nadine Connell
Commercial Finance Broker
Brisbane Market Investment Strategies
Cross River Rail Proximity
Potentially target properties within 800m of new CRR stations. Early investors in Woolloongabba and Boggo Road already seeing 15-20% gains ahead of completion. Next opportunities might be: Albert Street, Roma Street, Exhibition precincts.
Olympic Precinct Positioning
Commercial assets in the 2032 Olympic zones are set for long-term appreciation. Focus on Fortitude Valley, South Brisbane, and Hamilton areas for 30-45% capital growth potential. Prime zones: Victoria Park corridor, Northshore Hamilton, Albion.
Tech Hub Consolidation
Consider purchasing character buildings in Fortitude Valley and Newstead for tech/startup tenants. Convert older spaces into modern co-working facilities commanding 25-35% rental premiums. Focus areas: James Street, Gasworks, Teneriffe riverside.
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
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Frequently asked questions
What are the current commercial property loan rates in Brisbane?
The current commercial property loan rates in Brisbane range from about 5.79% to 10.49%, depending on the lender type and your property location. Major banks typically offer the most competitive rates for prime CBD assets (5.79%-7.25%), while second-tier banks may provide rates from 6.25%-8.45% with more flexible lending criteria. Private lenders offer faster approvals at 7.25%-10.49% for most standard commercial properties.
How much deposit do I need for a Brisbane commercial property?
Most lenders require a 30% deposit for commercial properties in Brisbane, though this can vary by the location and type of property you are buying. Prime CBD properties for example may qualify for 80% LVR (20% deposit), while some suburban or industrial properties typically require 30-35% deposit. Second-tier lenders can offer up to 80-85% LVR for high demand properties such as medical and professional suites.
Which Brisbane suburbs offer the best commercial property opportunities?
Fortitude Valley and Newstead lead at the moment with 92% occupancy rates and strong tech sector demand. South Brisbane and West End benefit from Cross River Rail infrastructure with 15-20% value increases. The southern industrial belt (Acacia Ridge, Rocklea) can offer 5.75-6.5% yields with sub-2% vacancy. Olympic precincts like Hamilton and Albion present long-term growth potential.
How long does commercial loan approval take in Brisbane?
Major banks typically approve commercial property loans in 14-28 business days for standard applications. Second-tier banks usually provide faster approvals in 7-14 days, and offer more flexible criteria. Private lenders offer the quickest turnaround at 24-72 hours, ideal for auction purchases or time-critical opportunities, but that usually comes with high rates.
Can I use my SMSF to buy commercial property in Brisbane?
Yes, we can help you arrange SMSF loans for Brisbane commercial property, with rates from 7.25% p.a. and up to 75% LVR. This strategy is particularly popular for medical professionals and business owners purchasing their own premises. Brisbane’s stable yields of 5-6% make SMSF commercial property investment attractive for retirement planning.
What impact will the 2032 Olympics have on Brisbane commercial property?
The 2032 Olympics are already driving commercial property values in key Brisbane precincts, with some areas seeing 40-50% increases since announcement. Infrastructure investment of $90 billion is transforming corridors around Victoria Park, Hamilton, and the CBD. Early investors in Olympic zones could see 30-45% capital growth potential over the next 7 years.
Do location factors affect commercial loan rates in Brisbane?
Yes, commercial property location significantly impacts rates. For example, Brisbane CBD and Queen’s Wharf properties receive the best rates, while Fortitude Valley and Newstead add 0-0.35% to base rates generally. Growth corridors like South Brisbane can add 0.25-0.5%, and outer suburban properties may pay 1.0-1.35% above prime rates. Industrial properties in southern corridors typically add about 0.5-0.85%.
What types of commercial property loans are available in Brisbane?
Brisbane borrowers can access commercial purchase loans with us from over 60 lenders, with values between $500,000-$100m+, as well as refinancing options, construction finance (up to 75% of completed value), SMSF loans (up to 75% LVR), bridging finance (24-72 hour approval), and development finance ($3M-$300M+ projects). Each loan type is tailored to specific needs.
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