Commercial Property Finance
Investment property, development finance, SMSF loans, and commercial refinancing in Brisbane.
Expert Commercial Property Finance in Brisbane
Commercial property represents a significant investment opportunity, and securing the right finance is critical to maximising your returns. At Australian Lending Group, our specialist commercial lending brokers have the experience and lender relationships needed to arrange competitive finance for offices, retail spaces, industrial properties, development sites, and SMSF property acquisitions across Brisbane and South East Queensland.
We understand that commercial lending is fundamentally different from residential finance. From capitalisation rate assessments and tenant covenant analysis to progressive drawdown structures for development projects, our team navigates the complexities of commercial credit so you do not have to. We present your application in the strongest possible light and negotiate terms that align with your investment strategy.
Whether you are acquiring your first commercial property, expanding a portfolio, funding a development, or refinancing an existing facility, we provide expert guidance, competitive rates, and a hands-on service at no cost to you. Let our team help you unlock the potential of commercial property investment.
Commercial Finance Solutions
Tailored finance for every type of commercial property transaction.
Commercial Investment
Investing in commercial property can deliver strong rental yields and capital growth. We arrange finance for offices, retail, industrial, and mixed-use properties with competitive rates and structures tailored to maximise your investment returns.
Enquire NowDevelopment Finance
From small-scale subdivisions to multi-dwelling residential and commercial developments, we arrange development finance with progressive drawdowns, competitive rates, and structures designed to support your project from acquisition through to completion.
Enquire NowSMSF Property Loans
Purchasing commercial property through your self-managed super fund can be a powerful wealth-building strategy. We work with specialist SMSF lenders to arrange compliant limited recourse borrowing arrangements for property held within your fund.
Enquire NowCommercial Refinancing
If your current commercial loan is no longer competitive, or your property has increased in value, refinancing could save you money or unlock equity for further investment. We compare your existing deal against the market to find genuine savings.
Enquire NowWhy Use a Broker for Commercial Property?
Commercial finance is complex. Here is why a specialist broker delivers better outcomes.
Deep Commercial Lending Expertise
Commercial property finance is fundamentally different from residential lending. Our brokers have specialist knowledge of commercial credit assessment, valuation methodologies, and deal structures to position your application for success.
Access to Specialist Commercial Lenders
Beyond the big four banks, we work with specialist commercial property lenders, non-bank financiers, and private funders who offer flexible products and competitive rates for commercial acquisitions and developments.
Tailored Deal Structures
We structure commercial finance to align with your investment strategy, cash flow requirements, and tax planning objectives. Whether you need interest-only terms, split facilities, or capitalised interest for developments, we find the right fit.
Stronger Lender Relationships
Our established relationships with commercial credit teams mean we can advocate for your deal, navigate complex assessments, and often achieve approvals that borrowers struggle to obtain on their own.
Commercial Property FAQs
Answers to common questions about commercial property finance.
We arrange finance for a wide range of commercial property types including offices, retail premises, industrial warehouses, medical suites, childcare centres, hotels, mixed-use developments, and vacant commercial land. Each property type has different lending criteria, and our brokers have experience across all commercial property categories.
Most commercial property lenders require a deposit of 20 to 30 percent of the purchase price, though this varies depending on the property type, location, tenant quality, and your financial profile. Some lenders offer higher loan-to-value ratio options for strong applications with quality tenants and long lease terms.
Yes, self-managed super funds can borrow to purchase commercial property under a limited recourse borrowing arrangement. This is particularly popular for business owners who want to purchase their own business premises through their super fund. SMSF lending has specific compliance requirements, and we work with specialist lenders in this space.
Commercial property loans typically range from 5 to 25 years, with interest rates that vary based on the property type, loan-to-value ratio, loan size, and borrower profile. Interest-only options are commonly available for the first one to five years to assist with cash flow management. We negotiate the best terms available from our lender panel.
Commercial property is valued using different methods than residential. Lenders typically use a capitalisation rate approach, which considers the net rental income relative to the property value. Factors including location, tenant quality, lease length, building condition, and zoning all affect the valuation. A formal valuation by a certified commercial valuer is required as part of the loan application.
Discuss Your Commercial Property Finance
Complete the form and one of our commercial lending specialists will be in touch to discuss your property finance requirements. We provide tailored advice for acquisitions, developments, SMSF purchases, and refinancing.
- Specialist commercial lending expertise
- SMSF property loan specialists
- Development finance with progressive drawdowns
- Free, obligation-free consultation