Compare Commercial Loans By Property Type
Whether you’re financing office buildings or industrial warehouses, different property types require different lending approaches.
After helping 3,300+ businesses secure commercial finance, we know which lenders and loan structures work best for each asset class.
Different property types require different lending strategies
Not all commercial loans are the same. A medical centre might qualify for 80% LVR with competitive rates, while a specialised industrial facility might be capped at 65% despite strong fundamentals. When you compare commercial loans for different property types, these differences become clear.
With 15+ years arranging finance across every property category, and relationships with specialist lenders in each asset class, we help you compare and secure the optimal loan structure for your specific property type.
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Compare Commercial Property Loans By Property Type
Last Updated: 10 September 2025 | Rates subject to change. Speak to our team for an accurate quote.
Property Type |
Interest Rate Range |
Max LVR |
Loan Terms |
Key Features |
|---|---|---|---|---|
Retail Properties
|
6.20% - 8.50%
|
70% |
1 - 30 years |
|
Office Buildings
|
5.95% - 8.20%
|
80% |
1 - 30 years |
|
Industrial Properties
|
5.95% - 8.20%
|
80% |
1 - 30 years |
|
Medical/Healthcare
|
5.85% - 7.50%
|
90% |
1 - 30 years |
|
Warehouse
|
5.95% - 8.20%
|
80% |
1 - 30 years |
|
Mixed-Use Properties
|
5.90% - 8.80%
|
70% |
1 - 30 years |
|
Hospitality
|
6.80% - 9.50%
|
70% |
1 - 30 years |
|
Childcare
|
6.00% - 8.50%
|
70% |
1 - 30 years |
|
Service Stations
|
6.50% - 9.00%
|
70% |
1 - 30 years |
|
Rural/Agricultural
|
6.20% - 9.20%
|
65% |
1 - 30 years |
|
Retail Properties
Office Buildings
Industrial Properties
Medical/Healthcare
Warehouse
Mixed-Use Properties
Hospitality
Childcare
Service Stations
Rural/Agricultural
Commercial Finance For All Property Types
Specialised lending for every commercial property category
Retail Properties
Shops, strip centres, shopping centres
Office Buildings
CBD & suburban offices
Industrial Properties
Manufacturing, factories, logistics
Medical & Healthcare
Clinics, surgeries, medical centres
Warehouse Properties
Distribution centres, storage facilities
Mixed-Use Development
Retail + residential combinations
Hospitality Properties
Hotels, motels, restaurants, cafes
Childcare Properties
Childcare centres & education facilities
Service Stations
Petrol stations & convenience stores
Self Storage Facilities
Storage facilities & mini warehouses
Aged Care
Aged care facilities & nursing homes
Land
Commercial land & development sites
Specialised Properties
Unique & specialty commercial properties
Success strategies for all commercial property types
Income Diversity
Multiple tenants can help to reduce concentration risk
Quality Tenants
National tenants and government agencies can improve terms
Lease Length
Longer WALEs (Weighted Average Lease Expiry) can mean better rates
Property Condition
Recent improvements and a high NABERS ratings help
Financial Position
Strong rent rolls, recent valuations, and clear ownership structures
Property Location
Demographics, diverse economy and infrastructure matter
Nadine Connell
Commercial Finance Broker
Browse by Commercial Property Location
Browse by Commercial Property Loan Type
Frequently asked questions
Which property type offers the best loan terms?
We see industrial and prime office buildings typically receive the best terms – up to 80-85% LVR with competitive rates. This is because these property types have strong tenant demand which reduces risk for the lender.
Why do specialty properties have lower LVRs when comparing loans?
Specialty properties like service stations or hotels have limited alternative uses if the business fails. This single-use risk means lenders are more conservative when comparing commercial loan applications. Of course, the location of the property plays a role in potential LVR as well, with metro areas seen as less risky than regional locations.
Can I get 80% LVR when comparing retail property loans?
It’s very rare that a retail property could attract an 80% LVR. Most lenders cap retail properties at 70-7% LVR due to retail businesses being considered as riskier than other business types. That said, neighborhood centers with essential services or public sector tenants, and long lease terms, can sometimes achieve higher LVRs.
Do green buildings get better terms when comparing commercial loans?
Yes, we are seeing increasingly focus from lenders on the NABERS rating and green certifications of commercial properties being assessed. Strong environmental credentials can see rate discounts of 0.1-0.25% with ESG-focused lenders where other criteria are also met.
How do lenders view mixed-use properties when comparing loan applications?
Mixed-use properties can be attractive due to the diversification of income, but complexity means their are fewer lenders seeking deals in this category. The specific mix of residential vs commercial can significantly impact available LVR when you are comparing options.
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