Sydney Commercial Property Loans Up To 85% LVR
Sydney commercial property loans from $500K-$100M+. Expert finance brokers, 60+ lenders. LVR’s from 60% – 90%. All Sydney metro and regional areas – CBD, Inner West, North Shore, Western Sydney, Eastern Suburbs, Southern Districts.
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What's Driving Commercial Growth in Sydney?
Infrastructure Driving Value
Major transport projects reshaping commercial property values across Sydney
The Sydney Metro expansion, Western Sydney Airport, and WestConnex are fundamentally reshaping commercial property values. New Metro stations have increased values in North Sydney and Chatswood by 15% since 2020. The Western Sydney Airport (opening 2026) is creating unprecedented demand for industrial property, with land values in surrounding areas up 40% in two years.
These infrastructure investments are creating new commercial hubs beyond the traditional CBD, offering investors opportunities in emerging precincts with strong growth fundamentals and improving connectivity.
Tenant Demand Strengthening
Record low vacancies as tech, healthcare and logistics sectors expand
Sydney's commercial property market shows tightening vacancy rates across all sectors: 8.2% for offices, 4.1% for retail, and just 1.8% for industrial properties. Technology companies, healthcare providers, and logistics operators are driving demand, particularly in North Sydney, Macquarie Park, and Western Sydney.
Blue-chip tenants are signing longer leases, providing stable income streams. The flight to quality continues with A-grade buildings maintaining strong occupancy despite work-from-home trends affecting B and C-grade offices.
Better Yields Than Residential
Commercial properties delivering superior returns with stronger growth potential
Commercial properties in Sydney deliver net yields of 4.5-6.5%, significantly above residential yields of 2.5-3.5%. Prime CBD locations command premium rents of $1,200/sqm annually, while emerging areas like Parramatta offer value at $450-650/sqm with stronger growth potential.
This yield gap makes commercial property increasingly attractive to investors seeking income-producing assets in a low interest rate environment, particularly with the added benefit of annual rent escalations typically set at 3-4%.
Capital Growth Accelerating
Infrastructure investment and rezoning driving long-term value appreciation
Sydney commercial property has delivered 26% growth over five years, outpacing inflation and residential returns. Infrastructure investment of $108 billion over the next four years will continue driving values. Rezoning opportunities in South Sydney and Inner West offer 40-60% uplift potential.
Government commitment to Sydney as Australia's global city ensures long-term growth. The combination of population growth, infrastructure development, and limited supply in key precincts creates a compelling investment case for commercial property.
Ready to capitalise on Sydney's commercial property opportunities?
Get Expert Finance Advice →Sydney Commercial Property Loan Types
Tailored finance solutions for every Sydney commercial property opportunity
Purchase Loans
Finance your Sydney commercial property acquisition with competitive rates and flexible terms. From strata offices to industrial warehouses, we structure the right solution.
Refinancing
Replace existing debt to access better rates or release equity for expansion. With Sydney values up significantly, many owners can unlock substantial capital.
Construction Finance
Fund your Sydney development project with staged drawdowns aligned to construction milestones. From renovations to major developments.
SMSF Loans
Use your super to purchase commercial property with tax advantages. Popular for business owners buying their own premises.
Bridging Finance
Fast short-term funding for auctions and time-critical opportunities. Secure Sydney properties while arranging long-term finance.
Development Finance
Comprehensive funding for Sydney property development projects. From land acquisition through to project completion with structured facility options.
Nadine Connell
Commercial Finance Broker
Sydney Commercial Property Loan Areas
We provide commercial property loans throughout Greater Sydney, from the CBD to Western Sydney's industrial heartland. Our local knowledge means we understand the unique characteristics of each area and which lenders offer the best terms for different Sydney locations.
Sydney CBD & City Fringe
Financing for premium office buildings, retail spaces and mixed-use developments. The CBD attracts Australia's most competitive commercial property loan rates, with major banks actively competing for prime assets.
North Sydney & North Shore
The North Shore commercial corridor offers excellent value compared to CBD properties while maintaining strong tenant demand. New Metro stations have improved accessibility and lender confidence.
Parramatta & Greater West
Sydney's second CBD experiencing unprecedented growth with billions in infrastructure investment. The new light rail and Metro West project are driving commercial property demand and competitive lending.
Western Sydney Industrial
Australia's strongest performing industrial market with vacancy rates below 2%. Proximity to major motorways and the new Western Sydney Airport makes these properties highly attractive to lenders.
South Sydney & Inner West
Creative office spaces, urban warehouses, and light industrial properties. The area's transformation creates opportunities, with properties near the airport and Port Botany commanding premium rates.
Eastern Suburbs
Premium retail and boutique office spaces in affluent areas. High-value properties with strong tenant demand, particularly for medical, professional services and luxury retail.
Sydney Commercial Property Loan Rates & Terms
Market rates from 5.95%Location Impact on Your Rate (Indicative Only)
Base rate: 5.95% for prime CBD properties
- Sydney CBD Base rate
- Barangaroo Base rate
- North Sydney Base rate
- Macquarie Park +0% to +0.25%
- Parramatta CBD +0.25% to +0.5%
- Chatswood +0.25% to +0.5%
- Olympic Park +0.5% to +0.75%
- Green Square +0.5% to +0.75%
- Western Industrial +0.5% to +1.0%
- South Sydney +0.75% to +1.0%
- Eastern Suburbs +0.5% to +1.0%
- Outer Suburban +1.0% to +1.5%
Nadine Connell
Commercial Finance Broker
Sydney Market Investment Strategies
Metro Station Adjacency
Consider targeting properties within 400m of new Metro stations. Historical data shows 15-25% value uplift within 18 months of station opening. Possible opportunities: Crows Nest, Waterloo, Sydenham.
Medical Suite Consolidation
Acquire multiple strata medical suites in established healthcare precincts. Combine and lease to larger practices for 20-30% rental premium. Hot zones: Chatswood, Burwood, Kogarah.
Industrial to Mixed-Use Conversion
Purchase industrial in rezoning corridors. South Sydney and Inner West sites seeing 40-60% value uplift post-rezoning. Key areas: Alexandria, Marrickville, Camperdown.
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
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Frequently asked questions
What's the minimum deposit for Sydney commercial property?
The typical LVR for standard commercial mortgages in Sydney is 70%, meaning you’ll need a 30% deposit. However, strong businesses purchasing owner-occupied premises in prime areas like CBD or North Sydney, or medical practitioners purchasing medical suites, may be able to attract 80-90% LVRs, meaning they require 10-20% deposits. Our specialist commercial property loan broker team can give you an exact quote based on your situation.
Which Sydney areas do lenders prefer?
Major bank lenders are showing strongest appetite for Sydney CBD, North Sydney, Chatswood, Parramatta CBD, and Macquarie Park property locations. However, there are many tier 2 and specialist lenders that cover all Sydney regional locations including areas like Blacktown and Liverpool. These lenders offer competitive terms.
How do Sydney commercial property loans compare to residential?
Commercial real estate loans in Sydney typically sit about 1-2% above residential rates. That said, commercial lending is different to residential, with terms factoring in things like interest-only periods that can optimise for tax benefits..
Can interstate investors get finance for Sydney commercial property?
Yes. We regularly assist interstate investors from areas such as Melbourne or Brisbane entering Sydney market. Some lenders actually prefer investors seek Sydney exposure, which can often see them attract better terms than home state properties.
What's happening with Sydney commercial property values?
The Sydney commercial real estate market is forecast to see 4-6% growth in over the next 12 months, driven largely by infrastructure and population growth. the office market has also stabilised, with positive absorption.
How long does commercial finance take in Sydney?
We advise clients to allow 7-28 days for full finance approval. The exact time it takes varies greatly based on your situation, goals and the complexity of your deal. We have lenders that can provide express approvals where needed (48-72hrs) in some cases, but be prepared to pay a premium interest rate.
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