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Commercial Loans
Australia Wide.

Commercial property loans, business loans and asset finance from over 400 Australian lenders. Full Doc, Lease Doc and Low Doc solutions available — plus home and investment property loans.

Licenced and professional advisors

Today's Interest Rates

Updated 10th June 2026.

  • Commercial Variable from 6.27%
  • Commercial Fixed from 6.85%
  • Lease Doc from 6.37%
  • Commercial Low Doc from 7.24%
  • Business Lending from 6.74% secured
  • Home Loans from 5.99% CPR 6.00%
  • Residential Fixed from 6.09% CPR 6.11%
Get More Rates

OUR SERVICES

Highly qualified commercial loan brokers specialising in commercial finance and residential lending. Our team is educated, licensed, and registered with ASIC.

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Commercial Property Loans

  • Commercial Loans for retail, office and industrial freehold for investors and owner occupiers. Development finance for retail and industrial units.
  • Refinance of commercial property loans for better interest rates and expired loan terms.
  • High LVR up to 80%, Low Doc, credit impaired solutions, lease doc for investors and short term finance.

  • See more Commercial Loan Information.

  • See Commercial Property Loan Interest Rates.

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Business Loans

  • Solutions for small, medium and large scale business operations. We work with the major banks, non bank lenders and private finance investors.
  • Most major franchises funded. Business with strong financials and longevity in the market places.
  • Working capital, receivable finance and specialist businesses.

  • See more Business Loan Information.

  • See more Business Loan Interest Rates.

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Home Loans

  • Home Loans for owner occupiers and refinance. Rates for investment, construction, low doc, poor credit and SMSF please enquire.
  • Refinance of residential property loans for better interest rates and lower repayments.
  • High LVR up to 95%, Low Doc, credit impaired solutions, lease doc for investors and short term finance.

  • See more Home Loan Information.

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Car & Equipment Finance

  • Car loans and lease available. Includes light and heavy commercial vehicle. Commercial hire purchase, novated lease and chattel mortgage options available.
  • Leasing for medical and dental equipment, farm/agricultural, computers and office equipment.
  • Low doc options available for those entities with a strong asset base.

  • See more Car and Equipment Interest Rates.

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Mortgage Calculators

  • Online commercial loan and residential calculators that calculate mortgage repayments.
  • Calculate the total REAL ANNUALISED interest rate to find your exact costs.
  • Interest only repayments are also available.

  • See more Commercial Loan Calculators.

  • See more Home Loan Calculators.

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Our Network

  • 30 plus bank and non bank lenders for traditional commercial and residential lending.
  • Private lenders sourced from our expanded network for those that need quick alternate finance from traditional lenders .
  • Large network of brokers and specialists in all type finance.

  • For more information Contact Us.

TODAY'S COMMERCIAL LOAN INTEREST RATES

Last Updated 10th June 2026. Interest rates are subject to change. Reserve Bank of Australia held interest rates at 4.35% on 16th June 2026.

Indicative Interest Rates for Commercial Property Loans 2026

How Broker Interest Rates are Sourced :Commercial property loan interest rates are drawn from a diverse panel of lenders, including Australia’s major banks, regional and smaller banks, non-bank lenders, specialist financiers, and private lenders. To get an accurate quote based on your specific circumstances please complete commercial property loan quote.

Loan TypeInterest RatesLoan to Value (Up to)Security TypeQuotes
Traditional Lenders
$100k to $5m Variable Interest Rates from6.37% to 10.74%90%CommercialEnquire
$5m+ Variable Interest Rates from6.27% to 10.74%90%CommercialEnquire
Variable Interest Rates From6.09% to 8.59%90%Residential SecurityEnquire
Bank Bill Swap Rates (BBSY) 30 60 & 90 days From4.31% / 4.44% / 4.73%90%Commercial SecurityEnquire
Fixed Rates From6.24% to 8.56%90%Residential SecurityEnquire
Fixed Rates From6.85% to 8.89%90%CommercialEnquire
Lease Doc Commercial From6.37% to 9.19%90%CommercialEnquire
2 Year Fixed from6.85% to 9.93%90%CommercialEnquire
3 Year Fixed from6.99% to 9.88%90%CommercialEnquire
5 Year Fixed from7.24% to 9.71%90%CommercialEnquire
Self Employed Low Doc from6.99% to 10.24%80%CommercialEnquire
Development Finance from<5.% + line fee< td>80%< td>Commercial< td >< a rel="nofollow" href="commercial_loan_quotes.html">Enquire
SMSF Self Managed Super Fund from6.55% to 8.89%80%CommercialEnquire
Medical Professionals from6.19%100%CommercialEnquire
Private Lenders
Variable Interest Rates from7.34% to 10.38%90%CommercialEnquire
Fixed Rates from8.35% to 11.15%80%CommercialEnquire
SMSF Property Finance from7.40%75%CommercialEnquire
Development Finance from7.45%75%CommercialEnquire

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Warning: Variability of Interest Rates for Commercial Property Loans

Important Notice: The interest rates provided in this table are indicative ranges based on general market data for Australia in 2025 and may vary significantly depending on the borrower and the specific commercial property transaction. Actual rates depend on several key factors, including but not limited to:

  • Borrower Profile & Creditworthiness: Businesses or investors with high credit scores (700+), strong track records, and stable financials typically access lower interest rates, while those with limited experience or adverse credit may receive higher quotes.
  • Property Type & Location: Premium, well-located commercial properties (e.g., medical suites, office buildings in CBDs) often attract better rates than specialised or regional properties (e.g., pubs, childcare centres in remote areas).
  • Loan-to-Value Ratio (LVR): Lower LVRs (e.g., ≤ 70%) usually receive more favourable interest rates. Higher LVRs (above 80%) are considered riskier and may require additional pricing margins or security.
  • Lease Profile / Tenant Strength: Properties with long-term leases to quality tenants (e.g., government or national brands) are seen as lower risk and may qualify for lower rates compared to vacant or short-lease tenancies.
  • Lender Type: Banks offer competitive rates but require strong documentation and financials. Nonbank lenders (e.g., Pepper, Liberty) are more flexible but charge slightly higher rates. Private lenders offer faster, more tailored options—often with higher pricing to reflect increased risk.
  • Loan Term and Structure: Fixed vs variable rates, interest-only periods, and the total loan term (e.g., 3 years vs 25 years) can significantly impact the final rate offered.

Recommendation: These rates are general estimates and should not be taken as guaranteed offers. Always compare commercial loan products from multiple sources—including banks (e.g., NAB, Westpac), nonbank lenders, and private funders—to get the best deal for your situation. Be sure to consider the full cost of finance, including the Annual Percentage Rate (APR) and fees. For tailored quotes, speak with a commercial finance broker or use platforms like Commercial Property Loans Australia.

Indicative Home Loan Interest Rates 2026

Home and investment loan interest rates are drawn from a diverse panel of lenders, including Australia’s major banks, regional and smaller banks, non-bank lenders, specialist financiers, and private lenders.

Loan Type Interest Rate Loan to Value Quotes
Home Loan Interest Rates Interest Rate P.A./ Comparison Rate CPR
Variable to $1 million5.99% CPR 6.00%95%Enquire
Variable Over $1 million5.99% CPR 6.00%95%Enquire
Variable 100% Offset5.99% CPR 6.00%95%Enquire
Line of Credit6.59% CPR 6.79%80%Enquire
Vacant Land5.99% CPR 6.00%95%Enquire
Fixed Interest Rates
1 Year Fixed6.19% CPR 6.12%95%Enquire
2 Year Fixed6.14% CPR 6.09%95%Enquire
3 Year Fixed6.09% CPR 6.11%95%Enquire
4 Year Fixed6.29% CPR 6.19%95%Enquire
5 Year Fixed6.29% CPR 6.20%95%Enquire
7 Year Fixed7.24% CPR 7.14%95%Enquire
10 Year Fixed7.24% CPR 7.18%95%Enquire
Investment Interest Rates
Variable to $1 million6.09% CPR 6.10%95%Enquire
Variable Over $1 million6.09% CPR 6.10%95%Enquire
100% Offset6.09% CPR 6.10%95%Enquire
Line of Credit6.59% CPR 6.79%80%Enquire
Vacant Land6.09% CPR 6.10%80%Enquire
Fixed Rates
1 Year Fixed6.29% CPR 6.27%95%Enquire
2 Year Fixed6.29% CPR 6.27%95%Enquire
3 Year Fixed6.24% CPR 6.26%95%Enquire
4 Year Fixed6.44% CPR 6.34%95%Enquire
5 Year Fixed6.44% CPR 6.35%95%Enquire
7 Year Fixed7.24% CPR 7.39%95%Enquire
10 Year Fixed7.24% CPR 7.34%95%Enquire
Low Doc Interest Rates
Variable Interest Rates from 6.94% CPR 7.38% 80% Enquire
Fixed Rates from 7.29% CPR 6.97% 80% Enquire
Get Home Loan Quotes

WARNING: The comparison rates (CPR) for all home loans are based on secured credit of $150,000 and a term of 25 years. The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.

Indicative Interest Rates for Business Finance Australia 2026

Please go to our dedicated business loans interest rate web page by clicking the button below.

Business Loan Interest Rates

Indicative Interest Rates for Vehicle and Equipment Leasing Australia 2026

Please go to our dedicated asset finance interest rates webpage by clicking the button below.

Asset Finance Loan Interest Rates

Get Commercial Property Loan Quotes

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Frequently Asked Questions

What is a commercial loan?

Commercial loans in Australia consist of any type of finance that does not involve residential property. They consist of;

Commercial property loans that involve the purchase or refinancing of established retail, industrial and multi residential properties. This includes the subdivision, development and construction of these types of properties.

Business loans for purchasing franchises, established businesses or starting up a new business.

Equipment leasing of motor vehicles, industry specific machinery and farm equipment.

Business banking products such as overdrafts and unsecured short term-lending.

How does a commercial loan work?

Commercial loans compared to residential property loans usually require a greater deposit, have higher interest rates, higher, shorter loan terms and stricter assessments due to the inherent risk of financing commercial assets.

Generally, there is a 10% GST component added to the cost of purchase, however, this may be refunded if the entity is registered for GST or waived depending on the type and circumstance of the purchase.

What is the interest rate on commercial loans?

Interest rates for commercial loans varies significantly depending on the type of asset purchased. It all depends o the associated risk associated with the asset. Generally speaking commercial property interest rates are likely to be less for business purchases, unsecured lending or equipment leasing. Also, the greater deposit or down payment the lower interest rate due to the lower risk.

See Commercial Loan Interest Rates here.

How much do you have to put down (deposit) on a commercial loan?

The deposit required for a commercial loan largely depends on the type of asset. Commercial property can lend up to 90% of the property value and businesses up to 70%. Some business such as medical or professional services are able to get finance as high as 100%. Again it all down to the risk associated with lending against the asset.

Click the link for more information on hown much you have to put down for a commercial loan?

What are the kinds of loans can I get for commercial property?

The kind of loans include variable rate loans, fixed interest loans and lines of credit. These loans can be paid on an interest only or principle and interest basis. Most commercial loans have a term between 0 and 15 years; however, it is possible to obtain loans for 25 years for commercial property.

See more about Commercial Property Loans

What are the types of commercial loans?

The types of loans include commercial property, development finance, mezzanine finance, business loans, equipment and car leasing, business banking products.

Full doc loans are available for those that can show 2 years financials. Low doc loans that do not need to show financials but prove payments can be made either vi an accountants letter and or bank statements. Lease doc loans are loans where the income from the rental property can service the loan

What are the requirements for a commercial loan?

The main requirements are as follows;

A deposit. You will need to put down anything from 10% to 60% of the asset value

Affording the loan repayments. You will need to provide income details to prove you can service the loan. Self employed individuals/companies will need to show at least 2 years tax returns. PAYE can show as little as 2 most recent pay slips up to 2 years tax returns Rental income and other sources income can also be taken into account.

A security asset to borrow against. This can be a commercial property, a business, equipment's or other types of equity

How long does it take to get a commercial loan?

This largely depends on the type of commercial loan that is required. Commercial property can take anything from 2 weeks to over a year. Car and equipment leasing can take between a week to a month.

How many years can I get a commercial loan?
Depending on the asset a commercial loan can range from 0 to 25 years. After a set period, commercial loans are often revised and a new loan term is negotiated.
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