Sunshine Coast Commercial Property Loans Up To 80% LVR
Sunshine Coast commercial property loans from $500K-$100M+. Expert finance brokers, 60+ lenders. LVR’s from 60% – 80%. All Sunshine Coast areas – Maroochydore, Birtinya, Mooloolaba, Caloundra, Noosaville and more.
Proud Members of the Mortgage and Finance Association of Australia
Sunshine Coast Commercial Property Loan Rates & Terms - Last Checked (10 September 2025)
Current Market Rates
- Interest Rates: 6.20% - 8.60%
- Commercial Yields: 5.5% - 8.0% Average
- Typical LVR: 60% - 80%
Loan Terms & Speed
- Minimum Loan: $250,000
- Approval Time: 5-21 business days
- Lender Panel: 60+ active lenders
Trending Sunshine Coast Property Types - 2025
What's Driving The Sunshine Coast Commercial Property Market?
Tourism & Population Surge
Queensland's lifestyle capital transforming commercial property landscape
Sunshine Coast's emergence as Queensland's lifestyle capital is transforming commercial property with 16.2 million annual visitors driving unprecedented demand. The region attracted 31,400 new residents last year, establishing itself as Australia's fastest-growing regional center. The $2.1 billion Sunshine Coast Airport expansion now connects to Asia-Pacific markets directly.
Major developments including Maroochydore's new CBD are creating world-class commercial opportunities, sparking 28% rental growth in prime retail precincts. The combination of tourism strength and population influx creates a unique investment environment with both immediate returns and long-term appreciation potential.
Infrastructure-Led Expansion
$5.8 billion Bruce Highway upgrade unlocking northern corridors
The Sunshine Coast targets a population of 518,000 by 2041 with the $5.8 billion Bruce Highway upgrade unlocking northern corridors. Caloundra South achieved 42% value growth with the new $2.3 billion Kawana health precinct.
The 2032 Olympics legacy infrastructure attracts $650 million private investment, ensuring steady appreciation without bubble risks. These infrastructure investments are creating new commercial nodes beyond traditional centers, offering ground-floor opportunities in emerging precincts with guaranteed government backing.
Outstanding Yield Performance
Superior returns attracting savvy interstate investors
Sunshine Coast commercial properties deliver 5.5-8.0% net yields versus Brisbane's 4.5%, attracting savvy interstate investors. Industrial spaces yield 6.8% with just 5.2% vacancy – outperforming Southeast Queensland averages. Medical precincts command $180/sqm rents while office vacancy sits below 3%, providing stronger cash returns than Gold Coast markets.
The yield premium reflects strong fundamentals rather than speculation, with blue-chip tenants including national healthcare providers and government departments securing long-term leases with annual escalations averaging 3.5%.
Supply-Constrained Fundamentals
8-year development lows creating sustained capital appreciation
The Sunshine Coast maintains 1.3% vacancy rates without eastern seaboard volatility. Commercial development sits at 8-year lows with construction costs limiting new supply through 2025-2027. Capital values rose 22% over 2 years steadily, backed by the region's 95% population growth from interstate migration ensuring consistent, lower-risk returns.
Environmental protections and coastal planning restrictions create permanent supply constraints, unlike artificial limitations in other markets. This structural undersupply combined with surging demand creates ideal conditions for sustained capital appreciation without speculative bubbles.
Ready to capitalise on Sunshine Coast's commercial property boom?
Secure Your Finance Today →Sunshine Coast Commercial Property Loan Types
We broker strategic finance solutions for Queensland's premier growth corridor - from major banks to specialist tourism and hospitality lenders.
Purchase Loans
Finance your Sunshine Coast commercial property acquisition with competitive rates from 6.20%. From Maroochydore CBD offices to Coolum industrial warehouses, we structure optimal solutions.
Refinancing
Replace existing debt to access better rates or release equity for expansion. With Sunshine Coast's 22% capital growth and population surge, unlock capital for opportunities.
Construction Finance
Fund your Sunshine Coast development project with staged drawdowns. From Maroochydore City Centre to Caloundra South developments, rates from 6.00%.
SMSF Loans
Use your super to purchase Sunshine Coast commercial property with tax advantages. Popular for medical centres in Birtinya and professional suites in Maroochydore CBD.
Bridging Finance
Fast short-term funding for auctions and time-critical opportunities. Secure Sunshine Coast properties while population growth and Olympics infrastructure drive competition.
Development Finance
Comprehensive funding for Sunshine Coast property developments. From Bruce Highway corridor projects to 2032 Olympics infrastructure with 60+ lender panel.
Nadine Connell
Commercial Finance Broker
Sunshine Coast Market Investment Strategies
Healthcare Infrastructure Acquisition
We're helping clients secure medical properties along the Kawana health corridor while development sites exceed $450/sqm. The $2.3 billion health precinct and Sunshine Coast University Hospital expansion create compelling fundamentals. Consider Birtinya medical suites, Kawana specialist centres, and Buderim private hospital opportunities with 6-8% yields. Target assets: Brightwater medical precincts, Sippy Downs allied health complexes, specialist consulting suites near major hospitals.
Bruce Highway Corridor Development
Commercial properties within 2km of Bruce Highway upgrade zones are experiencing 25-30% value uplift. We have clients targeting Caloundra South, Palmview, and Beerwah expansion sites before infrastructure completion drives further appreciation. Properties near future interchanges command premium rents with logistics, retail, and service station tenants seeking connectivity. Prime opportunities: Bells Creek industrial land, Caloundra Road commercial sites, Beerwah East development zones.
Industrial and Logistics Consolidation
The Coolum-Kunda Park industrial belt and Caloundra West precincts offer stable 20-year leases with 4% annual increases. We're seeing strong interest in owner-occupier conversions, logistics facilities, and trade supply centres near population growth corridors. These defensive assets deliver 6.8% yields with minimal vacancy risk. Key zones: Kunda Park industrial estate, Warana light industrial, Corbould Park logistics corridor, Yandina Creek enterprise precinct.
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
Browse by Commercial Property Loan Type
Browse by Commercial Property Type
Frequently asked questions
What are current commercial property loan rates on the Sunshine Coast?
Commercial property loan interest rates on the Sunshine Coast currently range from 6.20% – 8.60%, depending on property type, LVR, and borrower profile. Healthcare and medical properties typically secure the lowest rates, and owner-occupiers often qualify for rates 0.5-1% lower than investors. We compare 60+ lenders to ensure you get the most competitive rate for your specific situation.
How much deposit do I need for a Sunshine Coast commercial property?
Most of our broad range of lenders require a 30% deposit for Sunshine Coast commercial properties. Prime healthcare properties in Kawana or Birtinya for example may qualify for higher LVRs if they have strong tenants. Industrial properties in established precincts like Kunda Park typically attract higher LRVs as well. First-time commercial buyers should budget for a 30% deposit plus 5% for costs including stamp duty, legal fees, and building inspections.
Which Sunshine Coast suburbs offer the best commercial property returns?
Maroochydore CBD currently delivers the strongest capital growth (remember all markets go through cycles), with the new city centre development driving 20-25% annual appreciation. Kawana health precinct offers stable 6-8% yields from medical tenancies. Caloundra South provides development opportunities with Bruce Highway upgrades boosting values. Coolum and Kunda Park industrial zones yield 6.5-7% with minimal vacancy. Noosa Heads premium retail commands highest rents at $800-1200/sqm but requires larger capital outlays.
How long does commercial property finance approval take?
Standard commercial loan approvals on the Sunshine Coast take take anywhere from 7-28 days from application to formal approval, depending on the complexity of the deal. Unlike other brokers or direct lenders, we expedite approvals by preparing your cash flow forecasts and business plan (if needed) for you.
Can I get a commercial loan with residential security?
Yes, many of our lenders accept residential property as security for commercial property purchases on the Sunshine Coast. This strategy can increase your maximum LVR to 80% of the residential property value. Cross-collateralisation works particularly well for healthcare professionals buying medical suites or trades businesses acquiring industrial properties. We structure these loans to minimise risk while maximising borrowing capacity.
What costs are involved in Sunshine Coast commercial property loans?
The typical costs you should plan for include valuation fees ($2,000-$5,000), legal fees ($2,500-$8,000), stamp duty (approximately 5.5% of purchase price), and building inspections ($800-$2,000). Lender fees range from 0.5-1% of loan amount.
Most commercial loans also have annual review fees of $500-$1,500. We can provide detailed cost breakdowns upfront, and often negotiate reduced or waived establishment fees through our lender relationships.
Are interest-only loans available for commercial property?
Yes, interest-only terms up to 5 years are standard for Sunshine Coast commercial property loans. This can reduce your initial repayments by 40-60%, which improves cash flow during the establishment phases. Healthcare properties can often qualify for even longer interest-only periods given stable tenant profiles.
We typically structure 5-year interest-only terms followed by 15-20 year principal and interest repayments, though flexible arrangements are available based on your strategy.
Can I refinance my existing commercial property loan?
Yes, we can help you with a commercial property loan refinance, which we see often saves our clients anywhere between $20,000 – $95,000 annually, based on current rate differentials. With property values up 22% over two years, many owners are now accessing equity for expansion, or reduce their LVR for better rates. We can analyse your existing loan terms, negotiate with your current lender, and compare market alternatives.
Most refinances settle within 21-28 days with minimal documentation needed for properties owned over 12 months.
Have a question? Just ask!
One of our lending specialists will be in touch
