Commercial property finance for investors and owner-occupiers. Office, retail, industrial, mixed-use, we have access to lenders across the full commercial spectrum, including those that assess rental income favourably.
Last updated: October 2026 · Reviewed by John Pierre Saliba, Director and Mortgage Broker, MFAA Accredited
Commercial property lending is assessed differently to residential. Lenders focus on rental income, lease terms, tenant quality, property condition, and your overall financial position. Typical LVRs range from 60–75% (versus 80–95% for residential). Interest rates are higher, but the returns can be significantly better, especially for SMSF investors.
We know which commercial lenders are competitive right now, which ones assess rental income most favourably, and which ones are flexible on lease requirements. That's the value of a broker in commercial lending.
Free initial assessment. Send us the property details and we'll tell you which lenders suit and what terms to expect.
MFAA Accredited · ACL 511092 · 80 × 5-star Google Reviews
It comes down to three numbers: your balance, the rate gap, and the switching costs. Most Sydney refinances with a meaningful rate cut recover their costs within three to nine months. John runs the break-even maths for free before you commit to anything.
If you have not reviewed your rate in the past two years, it is worth checking. Lenders reserve their sharpest rates for new customers, so long-term borrowers often pay a loyalty premium. John compares 50+ lenders for free and tells you honestly whether switching beats staying, subject to lender assessment.
Typical switching costs run from about $700 to $1,200, covering discharge fees, government registration and a new application. On a $600,000 loan, a 0.50% rate cut saves about $181 a month, so most Sydney refinances recover their costs within three to nine months.