Commercial Property Loans Melbourne — Finance Investment & Owner-Occupied Premises
Finance commercial property across Melbourne and regional Victoria — office, retail, industrial, warehouse and mixed-use. Access major banks and specialist commercial lenders through one experienced broker.
Subject to lender assessment and approval. ACL 389328.
Commercial Property — Quick Guide
- LVR up to 75% — owner-occupied, major banks
- LVR up to 80%+ — specialist lenders, low-doc options
- Investment — 60–70% LVR, IO available
- SMSF — commercial property inside super
- Terms — up to 25–30 years, P&I or IO
- Lender panel — major banks + specialist lenders
Commercial Property Finance Options
From owner-occupied premises to commercial investment portfolios
Owner-Occupied Commercial
Finance your own business premises — retail, office, warehouse or industrial. Own your home base and stop paying rent to someone else.
- LVR up to 70–75% with major banks
- Higher LVR available via specialist lenders
- Competitive owner-occupied rates
- Terms up to 25–30 years available
Commercial Investment Property
Grow your commercial property portfolio with the right debt structure. Office buildings, retail strips, industrial sheds, and mixed-use.
- LVR typically 60–70% for investment
- Interest-only options available
- Positive cash flow structuring
- Portfolio lending strategies
Retail & Office Premises
Dedicated finance solutions for retail tenancies, strip shops, strata offices, and high-street commercial. Strong lease covenants can improve your terms.
- Strata and full-floor office suites
- Retail strip shop finance
- Lease-backed lending considered
- Metro and regional VIC accepted
Industrial & Warehouse
Finance industrial units, warehouses, factory premises, and logistics facilities. High demand assets with strong lender support.
- Industrial units from $300k
- Warehouses and logistics facilities
- Cold storage and specialised use
- High LVR available on strong assets
Mixed-Use & Specialised
Complex and mixed-use commercial assets often require specialist lenders. We navigate the right credit policy for non-vanilla properties.
- Retail/residential mixed-use
- Hospitality and accommodation
- Service stations and fuel sites
- Childcare, medical and allied health
Commercial Refinance
Refinance existing commercial debt to secure better rates, release equity, or restructure your repayment profile.
- Lower your ongoing repayments
- Access equity for reinvestment
- Consolidate multiple commercial loans
- Restructure to interest-only
Owner-Occupied vs Investment Commercial
Understanding the key differences helps structure the right loan
Owner-Occupied
- Best rates available — lender sees lower risk
- LVR up to 75–80% with right lender
- Business must occupy majority of premises
- Longer terms — 20–30 years available
- Great for tradies, SMEs buying their base
- Build equity instead of paying rent
Investment Commercial
- Income from tenants services the loan
- LVR typically 60–70%
- Interest-only available to manage cash flow
- Commercial lease terms improve serviceability
- Strong capital growth potential in right areas
- Interest generally tax deductible
Commercial Property LVR Guide
Indicative loan-to-value ratios by property and borrower type
| Property / Borrower Type | Max LVR | Notes |
|---|---|---|
| Owner-occupied — major bank | Up to 75% | Strong business financials required |
| Owner-occupied — specialist lender | Up to 80%+ | Lower doc options available |
| Investment property | Up to 65–70% | Lease income considered |
| Industrial / warehouse | Up to 70% | Strong demand assets |
| Mixed-use / specialised | 50–65% | Specialist lenders required |
Indicative only. LVR, rates and terms are subject to lender assessment, property valuation, and borrower circumstances. Speak with us for an accurate assessment.
How Commercial Property Lending Works
A structured process from first call to settlement
Discovery Call
We understand your property, budget, business profile, and goals. We identify the right lenders before you commit.
Finance Strategy
We structure your application to maximise LVR, minimise rate, and match your cash flow — IO vs P&I, fixed vs variable.
Submission & Valuation
We prepare and lodge your full application. We manage the valuation process and respond to lender queries on your behalf.
Approval & Settlement
Once formally approved, we coordinate with your solicitor and the lender to ensure a smooth settlement on your commercial property.
Commercial Property Loans — FAQ
Answers to the most common questions about commercial property finance
Ready to Finance Your Commercial Property?
Whether you're buying your first commercial premises, growing an investment portfolio, or refinancing existing debt — speak with Jorden Harris, Melbourne commercial finance broker.
Freedom Financing Pty Ltd — ACL 389328 — MFAA Member. All lending subject to assessment and approval.