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Commercial Property Finance Business Purchase Rates

5 Mar Today's
best rate
Finance Equipment From
2.79 %
Fixed
*The Interest Rate is calculated on a Secured Loan for business use, effective 05/03/2021 and subject to change. WARNING: The interest rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.

Compare Commercial Property Interest Rates with other Loans

Interest rates can vary depending on the actual property, lender and other aspects of the transaction. As a guide to commercial credit in general, use our comparison calculator to generate repayments for comparing different types of facilities for consideration.

Loan Amount
Loan Term
New Equipment Loan
2.79% Starts At
$569.75
Monthly repayment
Used Older Secured Equipment Loan
4.50% Starts At
$612.5
Monthly repayment
Business Loans - Unsecured
7.99% Starts At
$699.75
Monthly repayment
Business Loans - Secured
2.95% Starts At
$573.75
Monthly repayment
Overdraft - Non Bank
9.95% Starts At
$748.75
Monthly repayment
Chattel Mortgage
2.79% Starts At
$569.75
Monthly repayment
Operating Leases
4.60% Starts At
$615
Monthly repayment
Commercial Hire Purchase
2.79% Starts At
$569.75
Monthly repayment
Rent To Own
9.95% Starts At
$748.75
Monthly repayment
Loan Product Interest Rate
Starts at:
Monthly Repayment
New Equipment Loan 2.79%
$569.75
Used Older Secured Equipment Loan 4.50%
$612.5
Business Loans - Unsecured 7.99%
$699.75
Business Loans - Secured 2.95%
$573.75
Overdraft - Non Bank 9.95%
$748.75
Chattel Mortgage 2.79%
$569.75
Operating Leases 4.60%
$615
Commercial Hire Purchase 2.79%
$569.75
Rent To Own 9.95%
$748.75
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Disclaimer: This interest rate chart is for comparison purposes only. Any offer made to you may be at an interest rate different from those displayed and may have a different repayment amount. Broker and lender fees and charges are not included in the calculations. Use of this resource is not an application, it is not an approval of and is not any indication of an offer for lending of any type or for any purpose.

Commercial Property Finance

Our business loan company has connections with a selection of lenders that provide financial solutions for a range of commercial property purchases - buying your own premises, investing in existing commercial property or purchasing for a property development. This is a specialist lending sector requiring specialist lenders. Not all major banks will extend commercial property finance so our access to hard-to-source lenders may offer more competitive alternatives for your purchase.

Specialist Lenders

There are key differences between home mortgage and residual property finance and commercial property finance. The major difference is in the security. This also defines, to a degree, the differences across the lenders that operate in this sector.

Lenders have a varying risk tolerance and vary in their specialist type of security. This sector is constantly changing due to the fluctuations in interest rates and the property market and lender enthusiasm to engage in this type of loan. The variations determine the leverage required by individual lenders and how they assess each loan application.

Each application for commercial property loan is truly unique and we have collated a range of lenders so you can assess which is best suited to your purchase.

Finance for Wide Range of Commercial Real Estate

  • Factories and Manufacturing Premises
  • Warehouses
  • Commercial Units
  • Office Space – individual offices, whole floors, entire buildings
  • Retail Premises
  • Medical Centres and Facilities
  • Motels, Hotels, Caravan Parks and Pubs
  • Child Care Centres
  • Petrol Stations

Competitive, Flexible Finance Options

  • Fixed and Variable Interest Rates
  • Lending up to 80%
  • Security Options
  • Tailored Terms

Sourcing Commercial Property Finance

Purchasing your own premises may represent a savvy business decision and investment to avoid the variations in rent moving forward and provide long-term location certainty. Fixed terms and repayments on your property purchase may provide for better long-term business planning while providing the business with a valuable asset to leverage against other loans.

Lenders tend to vary in how they assess income and other factors in regard to commercial property finance. Finding the right lender to suit your purposes may require considering a number of options. We can save you time with that stage of the process by providing you with a short-list of possible lenders.

Connect with us for lenders that may assist you with commercial property finance.

Commercial Property Loans FAQs

Lending for purchase of commercial property is a specialised field requiring structured loans which are specifically arranged to meet individual requirements. If you are in the market, please review these general questions and speak with us about your specific requirements.

What types of property qualify for commercial loans?    

The commercial property category encompasses a large range of property types. The defining factor between a residential and commercial property is the use of the property. Properties include but are not limited to: office buildings and premises; motels, hotels and hospitality venues; petrol stations and service centres; medical facilities; manufacturing and processing plants and facilities; factories; warehouses and logistics centres; retail premises and shopping centres; caravan and holiday parks; child care centres; gymnasiums; and other commercial premises. With office buildings, the acquisition can be for an entire building, a floor or level or for individual office suites or units.

Is the interest rate fixed or variable?    

The interest rate can be sourced at either a fixed or a variable rate. The rate offered will be dependent on individual lenders and aspect of the loan application and the property itself. The interest rate market is also influenced by the fluctuations in the commercial property market and general economic indicators. Lenders vary in their risk assessment of commercial property lending deals and the interest rate offered will reflect this risk.

What are the lender options for commercial property loans?   

Not all banks and lending companies operate in the commercial property finance sector. Some do and will be open to considering loan applications. For some types of property acquisitions, specialist lenders are required. Those seeking commercial property credit have the option of approaching a range of banks and lenders themselves, or engaging the services of a broker with specialist expertise in the sector. This type of broker should have the capabilities, resources, experience and expertise to source and structure a deal of the size and scope being acquired.

Is finance available for property investment and for development?   

Yes. The acquisition can be for the purpose solely of investment, purchased with the prime intention of developing the site and or the purpose of housing an existing or starting operation. Lending can be sourced for commercial premises, investment and development purposes. As this type of loan is highly specialised, different lenders will be more or less suited to and more or less inclined to offer lending for different purposes. Using the services of a broker can deliver significant benefits in sourcing this specialist type of credit.

Can finance be structured to be available as required for commercial development?   

All deals are individually structured to meet both the guidelines of the lender and the objectives of the purchaser. If the purchase is for development purposes, lending may be required for both the initial property acquisition and further loans for development of the property. Lending could be sourced to be available as required during the different stages of development. For this type, funds may be made available as the development reaches pre-arranged milestones.
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