Gold Coast Commercial Property Loans Up To 80% LVR
Gold Coast commercial property loans from $500K-$100M+. Expert finance brokers, 60+ lenders. LVR’s from 6.10% – 8.50%. All Gold Coast areas – Southport, Robina, Burleigh Heads, Surfers Paradise, Coomera, Molendinar, Arundel and more.
Proud Members of the Mortgage and Finance Association of Australia
Gold Coast Commercial Property Loan Rates & Terms - Last Checked (10 September 2025)
Current Market Rates
- Interest Rates: 6.10% - 8.50%
- Commercial Yields: 5.0% - 7.5% Average
- Typical LVR: 60% - 80%
Loan Terms & Speed
- Minimum Loan: $300,000
- Approval Time: 7-28 business days
- Lender Panel: 60+ active lenders
Trending Gold Coast Property Types - 2025
What's Driving The Gold Coast Commercial Property Market?
Tourism & Population Boom
Premier tourist destination transforming commercial landscape
Gold Coast's status as Australia's premier tourist destination is transforming commercial property with 12+ million annual visitors driving unprecedented demand. The region gained 25,000+ new residents last year, establishing itself as Queensland's growth epicenter. The $1.5 billion Pacific Fair expansion at Broadbeach creates world-class retail opportunities.
Major hotel brands including Hilton and Marriott are expanding presence, sparking 15-20% rental growth in hospitality precincts. The combination of tourism strength and population influx creates unique investment opportunities with both immediate returns and long-term appreciation potential.
Infrastructure-Led Growth
Light rail and hospital investments unlocking new corridors
The Gold Coast targets having a population of 800,000+ by 2035 with the $5.4 billion Light Rail Stage 3 unlocking southern corridors. Coomera achieved 25-30% value growth with the new $1.5 billion hospital precinct. The 2032 Olympics legacy infrastructure attracts $400+ million private investment, ensuring steady appreciation without bubble risks.
New commercial nodes in Southport, Robina and Burleigh Heads offer ground-floor opportunities with government backing. The light rail corridor is creating transit-oriented developments with premium commercial returns.
Exceptional Yield Performance
Superior returns attracting interstate investors
Gold Coast commercial properties deliver 4.5-6.5% net yields versus residential's 3.5-4%, attracting interstate investors. Office spaces yield 5-5.5% with just 5-6% vacancy – outperforming Brisbane's 8.5%. Industrial properties command $120-140/sqm rents while vacancy sits below 2%, providing stronger cash returns than Sydney markets.
This yield advantage reflects the Gold Coast's lower entry costs combined with tourism-backed stability. Annual rent escalations of 3-3.5% provide inflation hedging while delivering superior cash flow.
Supply-Constrained Fundamentals
Limited development maintaining strong appreciation
The Gold Coast maintains 1.5-2% vacancy rates without eastern market volatility. Commercial development sits at 7-year lows with construction costs limiting new supply through 2025-2026. Capital values rose 15-18% over 2 years steadily, backed by Gold Coast's strong population growth from interstate migration ensuring consistent, lower-risk returns.
Coastal planning restrictions and height limits create permanent supply constraints in prime locations. This structural undersupply combined with surging demand ensures sustained appreciation without speculative bubbles.
Ready to capitalise on the Gold Coast's commercial property opportunities?
Secure Your Finance Today →Gold Coast Commercial Property Loan Types
We broker strategic finance solutions for Australia's fastest-growing commercial property market - from major banks to specialist tourism and hospitality lenders.
Purchase Loans
Finance your Gold Coast commercial property acquisition with competitive rates from 6.10%. From Southport medical suites to Coomera industrial spaces, we structure optimal solutions.
Refinancing
Replace existing debt to access better rates or release equity for expansion. With Gold Coast's 10-13% annual growth and tourism boom, unlock capital for opportunities.
Construction Finance
Fund your Gold Coast development project with staged drawdowns. From Pacific Fair precinct to Light Rail corridor developments, rates from 6.00%.
SMSF Loans
Use your super to purchase Gold Coast commercial property with tax advantages. Popular for medical centres in Robina and professional suites in Southport CBD.
Bridging Finance
Fast short-term funding for auctions and time-critical opportunities. Secure Gold Coast properties while Light Rail expansion and Olympics infrastructure drive competition.
Development Finance
Comprehensive funding for Gold Coast property developments. From Light Rail corridor projects to 2032 Olympics infrastructure with 60+ lender panel.
Nadine Connell
Commercial Finance Broker
Gold Coast Commercial Property Loan Areas
We help our clients secure commercial property loans throughout the Gold Coast, from beachfront hospitality assets to Light Rail corridor developments. Our deep understanding of the Gold Coast's 10-13% annual growth and tourism dynamics ensures optimal lending terms for every precinct.
Southport CBD & Health Precinct
Gold Coast's commercial capital with government offices, Gold Coast University Hospital and Griffith University. Office vacancy at just 6.5% with yields of 5.5% attracting institutional investors.
Surfers Paradise & Broadbeach
Australia's premier tourism corridor with 14.5 million annual visitors. Hotels and retail command premium rents with the $2 billion Pacific Fair expansion driving 25% rental growth.
Robina & Varsity Lakes
Gold Coast's established business and education hub anchored by Robina Hospital and Bond University. Professional suites achieve $350/sqm with healthcare facilities commanding premium rates.
Coomera & Northern Growth Corridor
Australia's fastest-growing commercial precinct with 35% value growth. The new $1.7 billion hospital and Westfield development drive sub-2% industrial vacancy rates.
Burleigh Heads & Southern Beaches
Gold Coast's lifestyle retail capital with James Street precinct achieving record rents. Mixed-use developments benefit from affluent demographics and 18% annual value growth.
Arundel & Central Industrial
Gold Coast's central commercial district with trade centres and bulky goods retail. Strategic location near M1 and Gold Coast University drives consistent $140/sqm industrial rents.
Gold Coast Commercial Property Loan Rates & Terms
Market rates from 6.10%Location Impact on Your Rate (Indicative Only)
Base rate: 6.10% for prime beachfront properties
- Surfers Paradise Base rate
- Broadbeach Base rate
- Main Beach +0% to +0.25%
- Southport CBD +0% to +0.35%
- Robina +0.25% to +0.5%
- Coomera +0.35% to +0.5%
- Burleigh Heads +0.25% to +0.45%
- Hope Island +0.45% to +0.65%
- Arundel +0.5% to +0.85%
- Nerang +0.65% to +0.95%
- Ashmore +0.75% to +1.15%
- Outer Areas +1.0% to +1.35%
Nadine Connell
Commercial Finance Broker
Gold Coast Market Investment Strategies
Tourism Asset Acquisition
We're helping clients acquire hospitality properties along the beachfront corridor while occupancy rates exceed 85%. The 14.5 million annual visitors and $2 billion Pacific Fair expansion create compelling fundamentals. Consider Surfers Paradise hotel conversions, Broadbeach mixed-use developments, and Main Beach boutique hospitality with 5-7.5% yields. Target assets: Cavill Avenue retail, Oracle Boulevard restaurants, beachfront short-stay complexes.
Light Rail Corridor Development
Commercial properties within 800m of Light Rail Stage 3 stations are experiencing 15-20% value uplift. We have clients targeting Parkwood, Pimpama, and southern corridor sites before project completion drives further appreciation. Properties near future stations command premium rents with medical, retail, and office tenants seeking connectivity. Prime opportunities: Southport-Broadbeach spine, University Hospital precinct, Harbour Town expansion zone.
Healthcare & Education
The Gold Coast University Hospital and Robina Hospital precincts offer stable 15-year medical leases with 3% annual increases. We're seeing strong interest in specialist suites, day surgeries, and allied health facilities near Bond University and Griffith campuses. These defensive assets deliver 6.5% yields with minimal vacancy risk. Key zones: Robina health precinct, Varsity Lakes medical corridor, Southport specialist district.
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 commercial property types perform best on the Gold Coast?
Tourism and hospitality assets have consistently outperform with around 5-7.5% yields. Hotels, short-stay apartments, and beachfront retail also deliver the strongest returns historically. Medical properties near the Gold Coast University Hospital have achieved stable 6.5% yields with 15-year leases. Industrial properties in Coomera and Arundel maintain sub-2% vacancy with growing logistics demand. As always remember that historical performance does not predict future performance, but current market trends remain positive.
How do Gold Coast commercial loan rates compare to residential?
Commercial rates typically run 0.5-1.5% higher than residential rates. However, commercial properties offer tax advantages for business owner-occupiers and investors including the ability to fully deduct interest payments, as well as depreciation benefits and GST credits that often offset the rate differential.
What deposit is required for Gold Coast commercial property?
Most lenders require 30% deposit as standard, for standard commercial properties. Tourism assets may need 30-35% due to seasonal income and higher perceived risk. Medical properties can achieve as low as 10% deposits with specialist lenders offering up to 90% LVR.
How does the 2032 Olympics impact commercial lending?
Olympics infrastructure is already driving stronger confidence across our lender panel with extended loan terms and competitive rates for properties near venues and transport upgrades. Light Rail Stage 3 corridor properties can also receive preferential treatment. Hospitality developments targeting Olympics demand can also also see their access to construction finance is easier than in the past.
What are typical commercial lease terms on the Gold Coast?
The typical commercial lease terms for retail and hospitality average 3-5 year terms, with 3-4% annual increases. Medical tenants often sign 10-15 year leases with CPI adjustments. Office leases run about 3-5 years with Light Rail proximity commanding 10-15% premiums. Industrial tenants usually want to commit to 5-7 years given the severe supply shortage.
Can I purchase Gold Coast commercial property through my SMSF?
Yes, SMSF commercial property loans are available from 6.24% with up to 80% LVR. Popular SMSF investments our clients target include medical suites in Robina, Southport offices, and Burleigh Heads retail. Business owners can also lease their premises to their operating entity for tax efficiency at market rates.
Can I purchase Gold Coast commercial property from interstate?
Yes, many Gold Coast commercial property buyers are located interstate, with strong demand from NSW and VIC based clients in particular. Lenders actually prefer investors to diversify their investment portfolios.
How fast can commercial loans settle on the Gold Coast?
Our standard big 4 bank loans take 14-28 business days on average, but usually provide the most competitive rates and terms if you qualify. Urgent settlements for auctions or opportunities can be arranged through private lenders but be prepared to pay a premium if you choose to take this option (we can always refinance you later to minimise the financial impact). Tourism properties may require additional due diligence extending timelines to 4-6 weeks. Talk to our commercial loan broker team as soon as possible to better understand the application process and timeframes.
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