At Formation Finance, we specialise in sourcing competitive commercial property loans tailored to your needs—whether you’re purchasing an office, warehouse, retail space, or specialised property. With access to major banks, non-bank lenders, and private funding, we help clients across Australia secure the right commercial finance quickly and efficiently.
A commercial property loan is finance used to purchase or refinance non-residential real estate such as:
Offices and business suites
Warehouses and industrial facilities
Retail and shopfront premises
Medical and childcare centres
Hotels, pubs, or mixed-use assets
These loans are available to both investors and business owners and are typically secured by a first mortgage over the property.
Applying for a commercial loan is significantly different from residential financing. Banks don’t publish standard rates, and lending policies vary widely. That’s why working with a specialist commercial mortgage broker is crucial for securing the right deal.
✔ Expert Guidance – Navigate the complexities of commercial property financing with experienced brokers.
✔ Access to Multiple Lenders – We work with banks, institutional investors, and private lenders to find the best terms.
✔ Competitive Interest Rates – Leverage our lender relationships to secure the most competitive loan pricing.
✔ Flexible Loan Structures – Customised repayment terms and larger loan sizes tailored to your financial needs.
✔ Faster Approvals – Skip the red tape and get your commercial loan approved efficiently.
✓ Owner-Occupied Commercial Loans
Finance for businesses purchasing premises they operate from—ideal for medical practices, offices, or warehouses.
✓ Commercial Investment Loans
For investors acquiring income-producing property, with options for interest-only or principal & interest repayments.
✓ Lease Doc & Low Doc Loans
Loans that rely on lease income or reduced documentation—perfect for experienced investors or self-employed borrowers.
✓ SMSF Commercial Loans
Finance for commercial properties held within self-managed super funds.
✓ Development Site Loans
Funding to acquire commercial or mixed-use development sites prior to DA or construction.
Applying for a commercial property loan is much more complex than a residential property, banks don’t publish their pricing and lending policies vary widely.
It is for these reasons that many high net worth investors choose to deal with a specialist commercial mortgage broker when buying a commercial investment property.
Most lenders offer up to 70–75% LVR for standard commercial properties. Some may go higher with strong lease covenants or for owner-occupied properties.
Yes. We have access to low doc and lease doc commercial loans, which are ideal for self-employed clients or those with non-standard income verification.
Yes, we can help you secure a commercial property loan via your SMSF, subject to superannuation rules and lender policies. Loans are typically limited to 70% LVR or less.
Rates vary depending on the asset type, borrower profile, loan term, and lender. We compare options across bank and non-bank lenders to secure competitive rates.
Yes. We have access to a wide network of private lenders for clients who need fast, flexible, or non-standard commercial funding solutions.
