Commercial Property Finance — Melbourne CBD & Metropolitan Victoria

Office, retail, industrial, mixed-use and development finance for Melbourne buyers and investors. One experienced broker. Direct access to major banks and specialist lenders active in the Melbourne market.

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Subject to lender assessment and approval. ACL 389328.

Melbourne Commercial — At a Glance

  • CBD, inner-city & metro Melbourne — office, retail, industrial
  • LVR up to 75% — owner-occupied, major banks
  • Growth corridors — Craigieburn, Epping, Dandenong South
  • SMSF commercial — finance inside your super fund
  • Non-bank & specialist lenders — complex assets welcome
  • Freedom Financing is Melbourne-based — we know the local market

Melbourne Commercial Property Types We Finance

From CBD office suites to outer-suburb industrial — we match your asset to the right lender

Office & Professional Suites

CBD high-rises, inner-suburb strata offices, and standalone professional suites. We access lenders comfortable with metropolitan office across all LVR bands.

LVR to 70% — major banks
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Retail & Strip Shops

Melbourne's renowned inner and outer strip retail precincts. Strong lease covenants from quality national or local tenants can significantly improve your terms.

Lease-backed lending considered
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Industrial & Warehouse

Melbourne's industrial corridors — Sunshine, Somerton, Dandenong, Altona. High lender appetite for well-located industrial in Melbourne metro.

LVR up to 70% — strong demand
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Mixed-Use & Development

Ground-floor retail with residential above, mixed strata, or value-add assets. Specialist lenders required — we know which credit policies work for Melbourne mixed-use.

Specialist lender access
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Melbourne Commercial Finance — By Area

Strong lender appetite across all Melbourne metro commercial precincts

Melbourne CBD & Inner City

  • Strata office suites
  • Retail tenancies
  • Mixed-use building finance
  • CBD commercial investment

Inner Northern Suburbs

  • Fitzroy, Collingwood retail strips
  • Brunswick industrial units
  • Northcote commercial freehold
  • Preston & Reservoir strip shops

Inner West & South-West

  • Footscray industrial & warehouse
  • Sunshine business park units
  • Port Melbourne logistics
  • Altona industrial estate

Eastern & South-Eastern Suburbs

  • Richmond & South Yarra offices
  • Hawthorn & Camberwell professional suites
  • Dandenong industrial
  • Moorabbin & Cheltenham logistics

Northern Growth Corridor

  • Craigieburn & Beveridge industrial
  • Epping logistics & warehousing
  • Campbellfield & Somerton
  • Mickleham business estate

South-East & Mornington Peninsula

  • Dandenong South industrial
  • Frankston commercial retail
  • Cranbourne business park
  • Mornington medical & allied health

Not sure if your suburb qualifies? Call or message — we finance commercial property across all of greater Melbourne and regional Victoria.

Ask About Your Property

Why Melbourne Commercial Finance is Different

Melbourne's commercial property market is the most diverse in Australia — which means lender policies, valuations, and appetite vary significantly by asset type and suburb.

Diverse Asset Classes

From CBD trophy towers to Sunshine industrial estates — each asset class has a specific credit policy. Wrong lender choice costs you LVR, rate, and time.

Location Matters to Lenders

Melbourne's growth corridors — Craigieburn, Epping, Dandenong South — attract specialist lenders who understand new precincts. Inner-city assets attract majors. We match them correctly every time.

Speed to Approval

Melbourne vendors and agents move fast. We prepare submissions thoroughly to minimise lender queries and give you a clear timeline from day one.

Local Broker — Melbourne Based

Freedom Financing is Melbourne-based. Jorden Harris knows the Melbourne commercial market and works directly with Melbourne lenders, valuers, and solicitors.

40+
Lenders on Panel
Major banks, specialist & non-bank
75%
Max LVR — Owner Occ
Subject to lender & property type
2–4
Weeks to Approval
Commercial — from submission
ACL
389328
MFAA Member — ASIC Licensed

Melbourne Commercial Property Finance — FAQ

Common questions about buying commercial property in Melbourne

Most major banks have a minimum commercial loan size of $500,000–$1,000,000. Smaller amounts — down to $250,000–$300,000 — can be serviced by specialist and non-bank lenders. We match you to the right lender based on your loan size, property type, and borrower profile.

Yes. CBD commercial property — including strata offices, retail tenancies, and mixed-use — is actively financed by both major banks and specialist lenders. LVR and appetite depend on property type, location, lease terms, and your financial position. CBD assets often command better terms due to liquidity.

Major banks prefer well-located metro Melbourne assets. Inner-city offices, Dandenong/Sunshine/Altona industrial, and established retail strips (Brunswick, Fitzroy, Richmond) typically attract the most competitive terms. Growth corridor industrial (Craigieburn, Epping, Dandenong South) is increasingly well-supported by specialist lenders.

Commercial property rates are typically 0.5–1.5% higher than equivalent residential investment rates, reflecting higher lender risk from commercial tenancies and lower LVR. Non-bank lenders may be 1–2% higher still, but offer approvals that major banks decline. Rate is only one part of the deal — LVR, structure, and terms matter equally.

Yes. SMSF lending for commercial property is a specialist area. You can purchase Melbourne commercial property inside your SMSF via a Limited Recourse Borrowing Arrangement (LRBA). Your own business can even occupy the property if it meets the business real property rules. LVR is typically 65–70% for SMSF commercial loans.

Absolutely. Our lender panel includes major banks, second-tier banks, non-bank lenders, and specialist commercial lenders active in the Melbourne market. Non-bank and private lenders are often the right fit for complex, low-doc, higher-LVR, or time-sensitive Melbourne commercial property transactions.

Related Commercial Finance

Explore the full range of Melbourne commercial lending solutions

Commercial Property Loans

Full guide to commercial property lending — LVRs, rates, types and process.

Development Finance

Construction and development finance for Melbourne residential and commercial projects.

SMSF Lending

Buy Melbourne commercial property inside your self-managed super fund.

Finance Melbourne Commercial Property — Get Started Today

Whether you're buying your first Melbourne commercial premises, growing an investment portfolio, or refinancing — Jorden Harris will structure the right deal from the right lender.

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Freedom Financing Pty Ltd — ACL 389328 — MFAA Member. All lending subject to assessment and approval.