Commercial Loans
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Last Updated 20th June 2024. Interest rates are subject to change. Reserve Bank of Australia kept the cash rate at 4.35% on 18th June 2024.

Loan Type Interest Rate Loan to Value Security Type Quotes
Traditional Lenders
Variable Interest Rates 6.14% to 10.74% 80% Commercial Enquire
Variable Interest Rates 6.14% to 8.59% 90% Residential Enquire
Fixed Rates From 6.12% to 8.89% 80% Commercial Enquire
Lease Doc From 6.74% to 8.89% 80% Commercial Enquire
1 Year Fixed from 6.33% to 9.81% 80% Commercial Enquire
2 Year Fixed from 6.21% to 9.93% 80% Commercial Enquire
3 Year Fixed from 6.12% to 9.88% 80% Commercial Enquire
5 Year Fixed from 6.26% to 9.71% 80% Commercial Enquire
Self Employed Low Doc from 7.19% 80% Commercial Enquire
Development Rate from 4.89% + line fee 75% Commercial Enquire
SMSF Self Managed Super Fund from 7.49% 80% Commercial Enquire
Medical Professionals from 6.12% 100% Commercial Enquire
Private Lenders
Variable Interest Rates from 7.04% to 10.38% 80% Commercial Enquire
Fixed Rates from 8.35% to 11.15% 80% Commercial Enquire
SMSF Property Finance from 7.99% 75% Commercial Enquire
Development Finance from 7.45% 75% Commercial Enquire
Please Note: that the above interest rates are only examples. Interest rates are subject to change Pricing and maximum LVR will vary based on the location, facility size, type of asset and quality of the overall transaction. Lowest pricing based on facilities $5M+. Please complete an online form so we can assess your commercial lending needs.

$3,000 CASH BACK for home and investment loans refinanced over $250,000. For more information request a Home Loan Quote

Loan Type Interest Rate Loan to Value Security Type Quotes
Home Loan Interest Rates
Variable Interest Rates 5.99% CPR 6.01% 95% Residential Enquire
Variable 100% Offset 6.09% CPR 6.44% 95% Residential Enquire
1 Year Fixed 6.09% CPR 6.30% 95% Residential Enquire
2 Year Fixed 5.99% CPR 6.18% 95% Residential Enquire
3 Year Fixed 5.79% CPR 6.35% 95% Residential Enquire
5 Year Fixed 5.79% CPR 6.30% 95% Residential Enquire
Investment Interest Rates
Variable Interest Rates 6.24% CPR 6.27% 95% Investment Enquire
Self Managed Super Fund - SMSF 6.99% CPR 7.50% 95% Investment Enquire
1 Year Fixed 6.29% CPR 7.23% 95% Investment Enquire
2 Year Fixed 6.14% CPR 7.11% 95% Investment Enquire
3 Year Fixed 5.99% CPR 6.58% 95% Investment Enquire
5 Year Fixed 5.99% CPR 6.52% 95% Investment Enquire
Low Doc Interest Rates
Variable Interest Rates from 7.19% CPR 7.63% 80% Low Doc Enquire
Fixed Rates from 7.23% CPR 7.32% 80% Low Doc Enquire
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.

Smart Search Finance is not making any suggestion or recommendation about a particular credit product from this website. You may be viewing a product that is unsuitable for your lending needs. It is highly advised that you speak to one of our qualified licenced advisors or the relevant financial institution to ensure that interest rates, product information and your financial needs are suitable to apply for that product.
Due to the complexity and many variables associated with business loans we are unable to publish business loan interest rates. Please complete the online Business Loan Quotes page accurately as possible so we can assign a business lending specialist to discuss your business finance.
Interest rates from 6.25% Please complete the online Lease Quotes form so we can assign one of our leasing specialists to discuss your finance needs


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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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