Finance · 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 70+ banks, non-bank lenders and private credit panels, with indicative approval in 2–5 business days.
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.
| Lender | Rate | Speed |
|---|---|---|
| Major bank | 6.69% | 4–8 wks |
| 2nd-tier bank | 6.99% | 3–6 wks |
| Non-bank | 7.49% | 2–3 wks |
| Private credit | 8.99%+ | 5–10 days |
Indicative only. Actual rates depend on credit profile, security and product. Comparison rates may differ.
Australian Credit Licence holder, AFCA member.
Most enquiries get a same-day or next-day answer.
Banks, non-banks and private credit on one panel.
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.
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.
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.
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.
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