Many lenders offer commercial loans basically for property that are known as office, retail shops & warehouse factory units. These buildings could be used for alternative purposes. When a customer wants to sell them, there will be many more to buy them if that could be used for alternative purposes. Therefore risk is less in such assets. We have lenders who will fund large projects at competitive rates.

Specialised commercial property loans includes petrol service stations, convenient stores, hotels, pubs, hospitals, aged care, childcare, medical centres & similar where properties that are built for a specific purpose or that have a specific business attached, which drives the value of the property. It would be much less in value without the business attached as cost of restructuring building for another purpose is very high. The LVR on these are different in each case and range from 50% up to 65% but you may find higher in some cases up to 75%.

Our mortgage brokers will find a suitable commercial loan from a commercial lender in our panel, extensive search will result you to pay less for lender services, that is the advantage you will get by going through expert brokers.

Our latest addition to lender panel has following range of Commercial Lease Document Loans;

• No ABN / GST Required
• No Financials
• No charges on the company
• No annual reviews
• Loan terms from 1 year to 25 years
• LVR up to 70% LVR
• Loan size $2 mill 50% LVR
• Loan size $1.5 mill 60% LVR
• Loan size $1 mill 70% LVR
• Higher loan sizes available on request
• Interest only for up to 5 years
• Redraw on loans over 20 years to 25 years
• Loan splits available on some loans 
• Minimum loan size 100k for LVR less than 60%
• Acceptable security  first mortgage only,securty property must be multi use, no specialised security (some exceptions may be considered)
• Acceptable locations capital cities and major regional centres with populations over 50,000 to 100,000 depending on LVR and security being offered
• Set up costs from 2.3% to 3.1% of loan amount depending on LVR
• Servicing Lease to cover 100% of the mortgage repayments based on interest & principle with no stress test on interest rate for loans up to 65% LVR
• Servicing for loans up to 70% LVR 1.5 times the repayments based on interest and principle
• Good credit history with some credit impairment being considered if all legal proceeding have been settled in full. Some previous defaults may be considered if paid in full more than 12 months ago. LVR will be restricted to 50% LVR

Products Commercial mortgages Construction project finance Small business loans Property development loan Purchase franchise or an existing business Car Van Equipment Leases Hire Purchase Personal Car Loans

A loan for childcare centre may have lower LVR if it is located near many other childcare facilities. Also in a area where vacancy rate is high. So it is not a straight forward answer to how much I could borrow until a lender value your scenario properly. We speak to many lenders and find out who could help you. Loans for service stations or petrol station / gas station will consider who is running it, experience of those in management and environment impact to assess your LVR. Petrol Stations leased out to major service providers are considered better than owner operated. Medical Practice, Vet, Aged care, Pubs are other similar businesses where lender has different approval criteria. Most lenders do not offer loans but we know where to go if you need one. Getting you a better commercial loan is our aim.