Get Office Building Loans from 5.95% - 8.20% and 60% - 80% LVR
We broker specialist office building loans from $500K to $100M+. CBD office loans, suburban offices, strata offices, office parks, professional suites, mixed use office property finance and more. Up to 80% LVR. Free consultation.
Proud Members of the Mortgage and Finance Association of Australia
Office Building Loans - Finance Overview (Updated 9 September 2025)
Office Building Finance Rates
- Interest Rates: 5.95% - 8.20%
- Loan Terms: 1 - 30 years
- Repayment: P&I or Interest-onlyFlexible
Office Property LVR & Deposits
- Maximum LVR: 60% - 80%
- Min Deposit: 20% (CBD offices)
- Deposit Range: 20% - 40%
Commercial Office Loan Amounts
- Loan Range: $500,000 to $100M+
- Settlement: 7-28 days
- Lender Panel: 60+ specialist lenders
Types of office properties we can help finance
Our office building finance solutions cover the full spectrum of commercial office property investments across Australia. With access to 60+ lenders who understand the Australian office property market, we help secure and structure financing for:
✅ CBD office towers & high-rise buildings
✅ Suburban office parks & business centres
✅ Professional suites
✅ Strata office units
✅ Mixed-use office developments
✅ Corporate headquarters & single-tenant offices
Book a call with our team to find out how we can secure the optimal office building loans for business owner-occupiers or commercial property investors.
Do You Qualify for Office Building Finance?
Quick eligibility check for commercial office property loans
Do you have a 30% deposit for your office building?
This can be cash, equity in existing property, or a combination. CBD offices may require less.
What type of office property are you financing?
Different office types have varying lending criteria and LVR limits.
Will the office have quality tenants?
Government, ASX-listed companies, established professionals, or owner-occupied.
Is your credit history clear?
No defaults over $5,000 in the past 2 years for commercial office finance.
Can you demonstrate loan servicing ability?
2+ years financials, rental income, or business cashflow to service the office loan.
Office Building Finance Assessment
Analysing your commercial office property finance eligibility...
Why Our Office Building Finance Expertise Matters
Specialist knowledge that transforms complex commercial office property transactions into successful loan approvals
We Understand Office Markets
Our team knows the difference between CBD prime grade and suburban B-grade offices, why medical suites command premium rents, and how strata office units differ from whole buildings. We present your office property in terms lenders appreciate.
Targeted Office Lender Matching
From our 60+ lender panel, we identify those actively seeking office building loans. We match your CBD tower, suburban office park, or medical suite with lenders who specialise in your specific office property type.
Office-Specific Structuring
We address office property challenges upfront. High vacancy? We highlight upcoming lease renewals and market demand. Older building? We emphasise renovation potential and location value to secure optimal office building finance.
Leverage Professional Networks
Our volume of commercial office property loans gives us negotiating power. We know current office loan pricing, which lenders favour professional tenants, and how to secure competitive office finance terms.
Fast Office Loan Approvals
Office building opportunities move quickly. Our established relationships and streamlined processes can secure bridging finance approvals in 48-72 hours, crucial for competitive commercial property auctions.
Data-Driven Office Analysis
We leverage occupancy rates, WALE analysis, and comparable office yields to strengthen your application. Our submissions include metrics that matter - tenant covenant strength, parking ratios, and building efficiency.
Nadine Connell
Commercial Finance Broker
Office Building Finance Rates
Commercial property loans for offices and medical suites
Access Specialist Office Building Finance Lenders
From major banks to commercial office property specialists, we negotiate with active office building lenders
office properties
lenders available
Major Banks - CBD Office Focus
The Big 4 banks offer competitive rates from 5.95% for prime CBD office towers with blue-chip tenants and strong WALE.
Best for: CBD offices, A-grade buildings, government tenants
Suburban Office Specialists
Dedicated office property lenders understanding suburban office parks, business centres, and strata office units with flexible criteria.
Best for: Suburban offices, business parks, owner-occupiers
Regional Bank Lenders
Local expertise with dedicated relationship managers who understand regional office dynamics and provide personalised service with competitive terms.
Best for: Regional offices, medical suites, local business centres
Private & Non-Bank Options
Fast approval lenders for complex office deals, older buildings, or shorter WALE situations with decisions in 48-72 hours.
Best for: Quick settlements, renovation finance, challenging deals
Office Building Loans - Features & Requirements
Compare commercial office loan features across major banks, non-bank lenders, and private capital
Office Loan Feature |
Major Banks |
Non-Bank Lenders |
Private Capital |
Availability |
|---|---|---|---|---|
Interest Only Periods |
Up to 5 years
|
Up to 5 years
|
Full term IO
|
Common
|
LVR Range (Office) |
60% - 80% |
Up to 80% |
50-65% |
Standard
|
CBD Office Premium |
Better rates
|
Higher LVR
|
Case-by-case
|
Common
|
Medical Suite Finance |
Specialised
|
Available
|
Flexible
|
Specialist
|
Strata Office Units |
Limited
|
Available
|
Available
|
Limited
|
Owner-Occupier Benefits |
Lower rates
|
Higher LVR
|
Varies
|
Available
|
Tenant Quality Criteria |
Blue-chip preferred |
Flexible assessment |
All considered |
Important
|
WALE Requirements |
3+ years preferred |
2+ years acceptable |
Flexible |
Critical
|
Vacant Office Finance |
Rare
|
Limited
|
Possible
|
Difficult
|
Office Loan Terms |
Up to 30 years |
Up to 25 years |
1-5 years typical |
Flexible
|
Parking Ratio Impact |
Critical for LVR |
Important factor |
Less critical |
Important
|
Building Age Limits |
<40 years preferred |
Flexible with upgrades |
All ages considered |
Varies
|
Factors That Determine Your Actual Office Building Loan Rates And Terms
As expert office building loan brokers, we help simplify the assessment and application process, while negotiating the best terms and rates possible.
Location & Market
Geographic location significantly influences lending appetite and terms.
Key Considerations:
- CBD vs suburban locations
- Capital cities vs regional centres
- Growth corridors vs established areas
- Local market conditions and trends
How We Help:
The Smart Business Plans Advantage
Save time. Save hassles. Get the right loan for you. Free Consultation.
We call you back
Ever call a bank or broker that doesn't call you back? Not with us. We pride ourselves on our personalised service.
We work for you
We take the time to understand your goals, and with that knowledge we find the right commercial loan products to match.
Australia-wide
We have a national lender network covering retail properties in all Australian metro, regional and rural locations.
Nadine Connell
Commercial Finance Broker
Office Building Loans - Borrowing Power Calculator
Calculate your borrowing capacity for commercial office properties including CBD towers, suburban offices, and medical suites
Office Property Details
Your Results Will Appear Here
Enter your details and click calculate to see your office building borrowing power
Your Office Building Finance Capacity
Office Building LVR Guide
- CBD Office Towers: Up to 75% LVR
- Suburban Offices: Up to 80% LVR
- Medical Suites: Up to 75% LVR
- Strata Office Units: Up to 70% LVR
- Owner-Occupiers: Higher LVRs available
What Affects Office Loan Amounts?
Tenant quality (blue-chip vs standard), WALE (lease terms), location (CBD vs suburban), parking ratios, and your financial position all impact borrowing capacity. Government tenants and longer WALE typically access better terms.
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.
Browse by Commercial Property Loan Type
Browse by Commercial Property Location
Frequently asked questions
How much deposit do I need for my first office building investment in Australia?
Our first-time office investors typically need a 30% deposit for commercial office properties. CBD offices with blue-chip tenants may qualify for 20-30% deposits, while suburban offices or strata units often require 30% or more. Your deposit can combine cash savings and equity from existing properties.
Can I buy an office building with no commercial property experience?
Yes, our lenders do consider first-time commercial investors, so long as you have strong financials (we can prepare your cash flow), and the office property has quality tenants with good WALE (Weighted Average Lease Expiry). Having an experienced commercial finance broker helps demonstrate your professionalism to lenders, and can strengthen your application.
Can my SMSF borrow to buy a commercial office property?
SMSFs can borrow up to 70% LVR for office buildings through Limited Recourse Borrowing Arrangements (LRBA). The calculator’s rental income field should reflect the proposed rent if your business will lease the office from your SMSF at commercial rates.
Do I get better rates buying an office for my own business? A
Yes, owner-occupiers generally receive 0.3-0.5% better rates than investors for office building loans. This is because lenders view owner-occupied offices as lower risk, since you control the tenancy and have stronger motivation to maintain payments.
What's the maximum loan for converting buildings to office space?
Office conversion loans depend on the “as-if-complete” value. Most of our lenders offer 65-70% of the completed office value, with funds released progressively. As with all commercial lending, some negotiating is possible based on your needs and situation – speak to our team who can help.
How does rental income affect office building borrowing capacity?
Lenders typically use 70-80% of your office rental income for servicing calculations, with the calculator normally using 80% as standard. Properties with longer WALE and stronger tenant covenants tend to have more rental income counted toward servicing.
What loan term should I select for office property finance?
Office building loans can see terms of anywhere between 1 – 30 years. Shorter terms will reduce the total interest you pay, but will also increase your monthly payments. You should also consider the tax implications of these options.
Have a question? Just ask!
One of our lending specialists will be in touch
