Commercial property finance
Office, retail, industrial, warehousing and mixed-use commercial property purchases. Up to 70% LVR with bank lenders; higher available through specialist commercial financiers.
Commercial lending
Finance that matches how your business actually operates
Commercial deals don't fit neatly into a residential lending box. Your income comes from multiple entities, your assets sit across trusts and companies, your tax structure is intentionally complex, and your lender needs to actually read your financials — not just feed them into a serviceability calculator.
We've been arranging commercial finance for Melbourne business owners and property investors since 2001. We understand commercial valuations, lease covenants, tenant covenants, vacancy stress-testing and the difference between a bank that says yes on paper and one that delivers on settlement.
We work across major bank commercial divisions, second-tier commercial lenders, non-bank commercial financiers and private credit funds — so the right capital provider is matched to the right transaction.
What we finance
Commercial deals we structure regularly
Development & construction
Multi-unit residential, townhouse, apartment and mixed-use development finance from $1M through $100M+. Development finance →
Refinance & equity release
Refinance existing commercial debt to better terms, release equity for business growth or new acquisitions, or restructure from a hostile lender to a relationship one.
Business lending & working capital
Unsecured and secured business loans, overdraft facilities, debtor finance, trade finance and lines of credit for cash flow management.
Asset & equipment finance
Vehicle finance (light commercial through to heavy plant), specialised equipment, fit-outs, IT infrastructure and yellow goods. Lease, chattel mortgage and hire purchase.
Private credit & PE-backed debt
For deals that don't fit traditional bank credit appetite — short-term bridging, distressed asset acquisition, complex structures and high-leverage transactions.
How we structure
The commercial broking process
01
Deal review
We sit down with the deal, financials, tenant covenants and your broader corporate structure. We identify red flags before any lender sees the file.
02
Lender shortlist
We approach two or three lenders most likely to deliver the right terms on the deal as structured. We control which lenders see what, and when.
03
Term sheet & negotiation
We negotiate term sheets, security positions, covenants and rate. For larger files this is where the real value is created — we routinely save clients 50–150bps on commercial deals.
04
Settlement & ongoing
We project-manage to settlement and stay involved through the life of the facility — refinance reviews, covenant compliance, top-ups and restructures.
Client stories
Real outcomes for real clients
★★★★★
"The team made what felt like a daunting process completely manageable. We secured a rate the bank wouldn't touch directly and were in our first home eight weeks later."
★★★★★
"After years of being told no by the majors for our self-employed structure, MortgageHQ found a solution. Approval came within a fortnight and on competitive terms."
★★★★★
"We refinanced our commercial property and unlocked equity for a second purchase — they structured the whole deal across two lenders. Saved us hundreds of basis points."
Answers
Commercial lending — frequently asked questions
How much can I borrow against a commercial property?
Standard commercial LVR is 60–70% with major bank lenders, sometimes 75% with specialist commercial lenders. Owner-occupied commercial premises (you run your business from the property) often attract higher LVRs and better rates than tenanted investment commercial.
What's the typical loan term for commercial property finance?
Commercial loan terms are shorter than residential — most facilities are 1–5 years with periodic review and refinancing, though amortisation can be over 15–25 years. Some lenders offer 10–15 year terms for owner-occupied commercial property. Always read the review clauses carefully.
Can I get interest-only on a commercial loan?
Yes — interest-only is far more common in commercial than in residential lending. Most commercial investment loans operate interest-only for the term length (typically 1–5 years) before refinancing. Owner-occupied commercial often allows 5+ years interest-only with major banks.
Will banks accept my company financials if my business is new?
It depends on the lender. Most major banks want to see 2 years of business financials; some specialist commercial lenders will accept 12 months trading plus business plan and forecasts. For very new businesses with strong assets, asset-backed lending or low-doc commercial pathways are also available.
What's the difference between residential investment loans and commercial?
Commercial property is anything zoned commercial — offices, retail, warehouses, factories. It's assessed on different metrics (tenant covenant, yield, vacancy risk), has higher rates than residential, lower LVR limits, and is generally interest-only with shorter terms. Residential investment property (houses and apartments leased to tenants) is still assessed against residential lending criteria.
Can MortgageHQ help with development finance?
Yes — we have a dedicated development finance practice. We structure deals from $1M townhouse subdivisions through to $100M+ multi-stage apartment developments. See our development finance page for details on senior debt, mezzanine, and stretch senior structures.
Get in touch
Let's start the conversation
No obligation. Completely confidential. We'll respond within one business day to set up a no-pressure initial chat about your goals and the lending options available to you.
- Free initial consultation — no fees to talk
- Access to 60+ lender panel including major banks
- 25+ years of broker experience on every file
- We work with your accountant and advisers
Get in touch
Book a free consultation
Tell us a little about your situation and we'll be in touch within one business day. No obligation, completely confidential.
Ready for a smarter finance conversation?
Tell us about your situation — first home, refinance, commercial, SMSF or anything in between. We'll find the right structure across 60+ lenders. No obligation, completely confidential.