Compare Commercial Loans for Different Property Locations

Yes you can. We regularly help investors and business owner-occupiers access commercial property across state and regional boarders. Most lenders have no restrictions on interstate investment. In fact, diversifying across markets can strengthen your portfolio. We have relationships with lenders all over Australian who specialise in cross-border commercial investment.

Generally no – rates are determined by the property location, not where you live. A Melbourne investor buying Brisbane commercial property gets Brisbane market rates. However, some lenders may offer slight discounts for local owner-occupiers versus interstate investors (typically 0.1-0.2% difference).

Foreign investors can face additional requirements including FIRB approval, and typically need 35-40% deposits versus 20-30% for locals. We work with specialist lenders who understand foreign investment structures and can arrange competitive finance for qualifying overseas buyers. Speak to our team for more information.

Sydney and Melbourne CBD properties generally attract the best rates and LVRs, as lenders see them as less risky. Brisbane is very close to Sydney and Melbourne levels, whereas other cities and regions attract rate premiums in line with lender risk. Specific suburbs within cities also vary – we know which postcodes each lender favors.

Regional areas may see commercial property loan interest rates between 0.5% and 2.5% higher than major city locations. This is due to lender risk criteria and more limited appetite for regional locations. 

SMSF lenders strongly prefer metropolitan areas and major regional centers with populations over 50,000. They’re particularly comfortable with medical, office, and logistics properties in capital cities. Some specialist SMSF lenders will consider quality regional commercial property with strong leases.

Commercial property operates on different cycles in each location. While Sydney might be peaking or turning down, Brisbane could be entering growth. We  can provide you with current market analysis for each location to help guide your decision. Generally speaking, securing the right property beats perfect timing, especially for business owner-occupiers seeking tax benefits. 

Metropolitan properties have the most refinancing options with 60+ potential lenders. Regional properties might have 15-20 options. The key is knowing which lenders are actively seeking exposure to specific locations – that’s where our expertise adds value.

Yes, cross-collateralisation across state borders is common. You can use your Sydney residential equity to fund Brisbane commercial purchases for example. Some structures are more tax-effective than others – talk to our team if you’d like us to explain the options.