Perth Commercial Property Loans Up To 75% LVR

Current Perth commercial property loan interest rates range from 6.10% to 9.40% depending on the lender type and property location. Major banks offer the best rates (6.10%-7.55%) for prime CBD assets and mining services properties, while second-tier banks (6.75%-8.85%) provide more flexible lending criteria. Private lenders (7.75%-9.40%) offer faster approvals for complex or urgent purchases.

Most lenders will need you to have a 30-35% deposit for Perth commercial properties, meaning you can typically borrow up to 65-70% LVR (Loan to Value Ratio). Properties with strong mining sector tenants, or those in premium locations like Perth CBD or West Perth, may qualify for 70% LVR. Specialist lenders might offer higher LVRs for specific property types. Talk to our team to see what’s possible.

We see Perth CBD and West Perth consistently secure the best rates from lenders due to strong tenant demand and capital growth. Subiaco and Claremont medical precincts typically attract rates just 0-0.25% above prime. Growth corridors like Osborne Park (mining services) and Joondalup add 0.25-0.5%, while outer suburban locations may face rates 1.0-1.35% higher than CBD properties.

We find that major banks typically approve Perth commercial property loans within 7-28 business days for standard purchases. Second-tier lenders often provide faster decisions at about 7-14 days. For auction purchases or urgent settlements, private lenders can approve funding within 24-72 hours, though at higher interest rates.

Yes SMSF commercial property loans are available in Perth with rates from 7.55% p.a. and up to 70% LVR. Popular SMSF investments include medical suites in Subiaco and Claremont, professional offices in West Perth, and industrial properties in Osborne Park. SMSF loans require specialised lenders and bare trust structures, talk to our team for assistance with this. 

Properties with long-term mining company or government tenants typically secure the best rates and terms. Medical centres with 15-year specialist leases, industrial properties servicing the resources sector, and CBD offices with ASX-listed tenants are highly favoured. Logistics properties near Fremantle Port and Perth Airport also attract competitive lending.

While not mandatory, using a commercial finance broker such as Smart Business Plans can significantly improve your chance of securing optimal rates and terms. We have access to 60+ lenders including mining sector specialists, understand Perth’s unique market dynamics, and can structure complex deals. Our clients can see savings of $22,000-$85,000 or more annually through better rates and terms.

We handle commercial property loans in Perth from $350k all the way up to $100m or more. For properties under $350,000, business loans or equipment finance might be more suitable options.

Yes we can help you get development finance for Perth commercial projects from $2.5M to $200M+ GRV. Our lenders offer construction loans with staged drawdowns at 70% of completed value with interest capitalised during build. Mining services precincts, renewable energy facilities, and mixed-use developments in growth corridors like Joondalup attract strong lender interest.

Lenders adjust their appetite based on commodity prices and mining sector health. During upswings, lending loosens with higher LVRs and better rates, especially for Osborne Park industrial and FIFO-related properties. During downturns, lenders prefer diversified tenants and may require larger deposits. Current resource sector recovery is improving lending conditions.