Finance · Australia
Commercial Property Loans Australia
Finance for office, retail, industrial and mixed-use commercial property — owner-occupier or investor.
Quick answer
Commercial property loans in Australia typically lend 65–75% LVR against offices, retail, industrial, hotel or mixed-use property. OzyLoans arranges deals from $250K to $50M+ across banks, non-bank lenders and private credit, with indicative approval in 2–5 business days.
Why Commercial Property Loans with OzyLoans
- Loans from $250K to $50M+
- Up to 75% LVR (higher with mezzanine)
- Interest-only options up to 5 years
- Bank, non-bank and private credit panel
Repayment calculator
Indicative only. Actual repayments depend on lender, credit profile, fees and product. Use this as a starting point — we'll provide a precise comparison on enquiry.
Funding classes
| Funding class | Typical use | Indicative speed |
|---|---|---|
| Major bank | Lower-cost long-term debt where policy and servicing fit | Typically several weeks |
| Second-tier bank | Broader credit appetite than some major banks | Often a few weeks |
| Non-bank | Flexible servicing and property assessment | Often faster than banks |
| Private credit | Speed and flexibility for complex or time-critical scenarios | Can move quickly, subject to due diligence |
General guidance only — not current pricing or a lender offer. Actual rates, leverage, documentation and timeframes vary by lender, security, borrower profile and transaction, and are confirmed on assessment.
ACL #485752
Australian Credit Licence holder, AFCA member.
24-hr indicative
Most enquiries get a same-day or next-day answer.
Banks, non-banks & private
Banks, non-banks and private credit on one panel.
Frequently asked
What is a commercial property loan?+
A commercial property loan is finance secured against non-residential real estate — offices, retail, industrial, hotels, medical or mixed-use property — used either by an owner-occupier or an investor.
What LVR can I borrow?+
Most banks lend up to 70–75% LVR on prime commercial property. Non-bank and private lenders can stretch to 80% with mezzanine, and we can structure higher in specific scenarios.
How long does approval take?+
Indicative approval typically 2–5 business days. Formal approval and settlement usually 4–8 weeks for bank deals; private credit can settle in as little as 5–7 days.
Do I need full financials?+
Bank deals require full financials. Lo-doc and lease-doc options exist with non-bank and private lenders where servicing is supported by rental income.
Related finance
Ready to explore commercial property loans?
Our finance professionals review your requirements and objectives and discuss the options worth pursuing with you.