Commercial Property Investment Loans from $500k to $100m+
Secure commercial property investment loans with competitive rates from 6.15% – 8.20% and LVRs between 60% – 80%.
Whether you’re purchasing your first investment property or expanding an established portfolio, our specialist brokers arrange commercial investment property finance tailored to your needs.
Commercial Property Investment Loans (last checked 8 October 2025)
Investment Rates & Terms
- Interest Rates: 6.15% - 8.20%
- Maximum LVR: Up to 70%
- Min Deposit: 25% required
- Loan Terms: 1 - 30 years
Our Lender Panel
- 60+ Lenders: Investment specialists
- Major Banks: Competitive rates, prime assets
- Non-Banks: Higher LVRs, flexible terms
- Interest Only: Available to maximise cash flow
Investment Features
- Approval Time: 7-28 days
- Property Types: Office, retail, industrial, medical
- Tax Benefits: Negative gearing & depreciation
- Portfolio: Multiple property structures
Commercial Property Investment Loan Benefits
Secure commercial property investment loans with competitive rates from 6.15% – 8.20% and up to 70% LVR. Whether you’re purchasing your first investment property or expanding an established portfolio, our specialist brokers arrange commercial investment property finance tailored to maximise your returns.
Key Benefits Box:
✓ Access to 60+ specialist lenders
✓ Investment rates from [sbp_rates_investor_from]
✓ Up to 70% LVR
✓ Interest-only options available
✓ Portfolio lending structures
Book your free finance assessment – 1300 262 098
Nadine Connell
Commercial Finance Broker
Commercial Property Loan Repayments Calculator
Calculate accurate loan repayments with separate capital and interest amounts for Australian commercial real estate investors
Loan Details
Your Results Will Appear Here
Enter your loan details and click calculate to see your repayment breakdown
Repayment Breakdown
Calculator Benefits
Designed for Australian business owners with separate capital and interest breakdown. Interest is typically tax-deductible for business property loans.
Commercial Loan Features
- Terms typically 5-25 years
- Rates from 6.20% p.a.
- LVR up to 80%
- Fast approvals available
Disclaimer: This calculator is provided for illustration purposes only and does not constitute financial advice or a loan offer. Calculated figures are estimates only, may be inaccurate, and do not reflect actual lender terms or fees. Actual loan amounts, rates, repayments, and eligibility will vary based on your specific circumstances and lender assessment. Do not base any financial decisions on this calculator. Contact our team for a tailored quote.
Commercial Property Investment Loan Rates & Terms
Property Type |
Common Gross Yield |
Potential Net Yield |
Potential Capital Growth |
|---|---|---|---|
CBD Office |
5.5-7% |
4.5-6% |
3-5% p.a. |
Suburban Retail |
6-8% |
5-6.5% |
2-4% p.a. |
Industrial/Logistics |
6.5-8.5% |
5.5-7% |
4-6% p.a. |
Medical/Healthcare |
5.5-7% |
4.5-5.5% |
3-5% p.a. |
Yield Calculation Tips
Gross vs Net: Deduct 15-20% from gross yields for outgoings to estimate net returns
Location Impact: CBD properties offer lower yields but stronger capital growth
Tenant Quality: National tenants justify lower yields due to security
Structure Option |
Potential Tax Benefits |
Cash Flow Impact |
|---|---|---|
Individual Name |
50% CGT discount • Negative gearing |
Personal tax offset |
Company Structure |
30% flat tax rate • No CGT discount |
Retained earnings |
Trust Structure |
Income distribution flexibility |
Multiple beneficiaries |
Joint Venture |
Shared deductions • Complex |
Split cash flow |
Structure Selection
Interest Only Benefits: Maximise tax deductions and preserve capital for additional investments
Entity Choice: Individual ownership suits negative gearing; companies better for positive cash flow
Deduction Type |
Potential Annual Benefit |
Requirements |
|---|---|---|
Loan Interest |
Full marginal tax rate |
Investment purpose loan |
Building Depreciation |
2.5% of construction cost |
Built after 1985 |
Plant & Equipment |
10-20% diminishing |
Quantity surveyor report |
Operating Expenses |
100% deductible |
Property management, repairs |
Professional Fees |
100% deductible |
Accounting, legal advice |
Tax Strategy
Negative Gearing: Commercial properties offer stronger deductions than residential
Timing: Purchase near financial year end to maximise first-year deductions
Portfolio Stage |
Strategy Focus |
Finance Approach |
|---|---|---|
First Investment |
Stable tenant, good location |
Conservative LVR (60-65%) |
Portfolio Building |
Diversify property types |
Cross-collateralise strategically |
Consolidation |
Upgrade quality, sell underperformers |
Refinance for better terms |
Wealth Protection |
Reduce debt, increase yields |
Principal reduction focus |
Growth Strategy
Equity Release: Use increasing values to fund additional purchases
Geographic Spread: Balance metro and regional for risk management
Risk Factor |
Impact Level |
Mitigation Strategy |
|---|---|---|
Vacancy Risk |
High |
Multi-tenanted properties • Quality locations |
Interest Rate Risk |
Medium |
Fixed rate portion • Interest rate caps |
Market Valuation |
Medium |
Conservative LVR • Regular valuations |
Tenant Default |
Low |
Bank guarantees • Credit checks |
Liquidity Risk |
Medium |
Maintain cash reserves • Credit lines |
Risk Management
Stress Testing: Model 2% rate rises and 20% vacancy in your projections
Insurance: Comprehensive cover including loss of rent protection
Exit Strategy: Know your refinance and sale options before purchasing
Nadine Connell
Commercial Finance Broker
Commercial Investment Loan Application Documentation Checklist
Streamline your investment loan approval - we help you complete applications in 7-28 days on average
Nadine Connell
Commercial Finance Broker
Benefits of working with us
Stronger Application
We present your business financials in the most effective way possible, improving your chances of a successful application and getting great rates and terms. We also prepare your business plan and cash flow forecast when needed.
Better Rates &Terms
We compare multiple lenders and present suitable options from 60+ lenders. We consider loan features like offset accounts, redraw facilities, payment flexibility and approval timeframes.
Avoid Mistakes
We help you avoid the common mistakes we see people make every day. From getting stuck with high rates to having loan applications rejected because the information wasn't structured the right way for the lender.
Frequently asked questions
Why invest in commercial property over residential property?
Most of our commercial property investors choose commercial over residential real estate for these advantages:
- Higher yields: 5-8% vs 3-4% residential
- Longer leases: 3-10 year security
- Triple net leases: Tenants pay outgoings
- Depreciation benefits: Greater tax advantages
- Capital growth: In well chosen locations
It all comes down to your risk tolerance and investment strategy.
What deposit do I need for commercial property investment loans?
For commercial property investment loans, you’ll typically need a minimum deposit of 30%, which means maximum LVRs of 70%]. That said, in many cases we can help clients achieve 80%-90% LVR in the right situations and with the right property classes. Many of our commercial investor clients use equity from existing properties to fund deposits – learn more about commercial property loan refinancing.
Can I get an interest-only commercial investment loan?
Yes, most of our investment property commercial lenders offer interest-only terms of up to 5 years. We find this is particularly popular with investors as it maximises negative gearing benefits and preserves capital for additional investments. After the interest-only period, loans typically revert to principal and interest. Many investors refinance at this point to maintain optimal cash flow.
What are the tax benefits of commercial property investment loans?
Commercial property investment loans offer significant tax advantages including:
- Full interest deductibility
- Depreciation on building (2.5% PA) and fit-out (higher rates)
- Negative gearing benefits at your marginal rate
- 50% CGT discount for individuals after 12 months.
Our clients typically use advanced tax strategies including trust structures for income distribution flexibility. As always, talk to your financial advisor or tax professional to see what might be possible.
Can I use my SMSF for business investment property loans?
Yes, SMSFs can obtain business investment property loans with maximum LVRs of 80% and rates from 6.10% – 8.70%. Learn more about SMSF commercial property loans here. There are strict rules that apply in this space, including that your property must meet your fund’s investment strategy and sole purpose test. You can lease the property back to your business at market rates. Our SMSF commercial property rules guide explains compliance requirements and tax benefits in more detail. Always consult a professional financial advisor before moving forward.
Can I build a portfolio with commercial investment real estate finance?
Yes, commercial investment property finance is ideal for portfolio building. Our clients use strategies such as:
- Using increasing property values for equity release
- Cross-collateralisation for higher LVRs
- Diversifying across property types and locations
- Structuring through multiple entities for asset protection.
Learn more here: Commercial real estate finance
What costs should I budget for beyond the commercial property investment loan?
Beyond the costs of your commercial real estate investment finance, you’ll also need to account for stamp duty (1.5-5.5% varying by state), legal fees ($3,000-$8,000), property valuation ($1,500-$4,000), a building inspection ($1,000-$3,000), any loan establishment fees (0.5-1%), and ongoing costs which can include things like property management fees, insurance, council rates, and maintenance.
Should I use fixed or variable rates for commercial real estate investor loans?
Most of our commercial real estate investors use variable rates for maximum flexibility, which is especially important for portfolio growth and property trading.
- Variable rates offer offset accounts, unlimited repayments, and no break costs.
- Fixed rates provide certainty but limit flexibility.
We see a number of investors use split loans – part fixed for stability, part variable for flexibility to manage risk while maximising economic outcomes.
Have a question? Just ask!
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