Commercial Property Loans Sydney

Why Use a Mortgage Broker For Your Commercial Loan?

Getting a commercial property loan in Sydney isn’t just about getting an approval. It’s about getting the structure right. The wrong setup can hold you back for years, but the right one can give you flexibility, breathing space and a clearer way forward.

At Mortgage Broker Group, we work with business owners and investors to sort through those options properly. That means starting with your actual financial position and what you’re trying to achieve, then structuring a loan that still works in three years, not just on settlement day.

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What Can a Commercial Property Loan Actually Be Used For?

Can I Buy the Premises My Business Already Operates From?

Yes, this is one of the most common reasons business owners come to us. Lenders treat owner-occupied purchases as medium risk, generally offering more competitive terms than an investment or working capital deal, since your business’s own performance is the primary factor being assessed.

Can I Use a Commercial Loan to Build an Investment Portfolio?

Yes, you can. If your tax adviser recommends it, a commercial loan can be a straightforward type of deal to finance. Investment purchases are typically viewed as lower risk by lenders, since approval leans heavily on the property’s rental income rather than a single business’s trading performance.

Can I Borrow Against a Commercial Property to Fund Day-to-Day Business Operations?

Yes, though lenders treat working capital lending as higher risk than a straight property purchase, since the funds are supporting your business’s operations rather than the asset itself. You can expect more scrutiny and typically less favourable terms than an owner-occupied or investment purchase.

Can I Purchase Through a Company or Trust Structure?

Yes, buying through a company or trust usually changes how lenders assess your deal and can trigger complex, structure-specific duty considerations. Because policies and tax implications vary case by case, we always recommend confirming the specifics with your accountant before proceeding. We’ll help you understand how your structure affects both your borrowing options and your eventual loan terms.

Can I Get Funding for a Commercial Development or Construction Project?

Yes. Because the property isn’t earning any income while it’s being built, most lenders let you add the interest charges onto the loan balance during construction rather than paying them out of pocket. Your loan balance grows a bit during the build, but you’re not stuck finding cash to service the loan before the property is even finished. This is a more specialised area with a smaller pool of lenders willing to fund it.

How Can a Commercial Property Loan Help My Business?

A commercial property loan can support very different goals depending on your situation, from buying the premises you already operate from, to building an investment portfolio, to funding a development.

Which of those goals you have matters more in commercial lending than in residential: industrial assets in Sydney’s western corridors and CBD office towers are assessed very differently by lenders, since one is judged on tenant demand and lease income, the other on asset grade and location within the CBD. So the same lender that’s comfortable with an industrial warehouse might take a far more conservative view of a secondary-grade office tower.

How Does Our Sydney Commercial Property Loan Process Work?

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Step 1: Is a Commercial Property Loan the Right Fit for My Business Goals?

We take a closer look at your income, liabilities, business performance, and the type of property you’re considering, alongside what you’re actually trying to achieve, whether that’s a long-term investment, securing your own premises, or scaling your portfolio.

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Step 2: How Much Can I Borrow, and What Assets Can Support the Application?

We do a deeper dive into your available equity, cash reserves, and any assets that can support the deal. This is also where gaps in serviceability or unclear structures tend to surface. It’s usually better to deal with those now than later.

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Step 3: Which Lender Offers the Best Structure for My Deal?

Different lenders approach the same deal very differently, some with real flexibility, others constrained by internal credit policy regardless of how strong your application is. We map loan-to-value ratios, repayment structures and rate types across a broad panel, assessing what works today and what still works in two or three years.

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Step 4: What Happens Once I'm Ready to Submit?

We manage documentation, lender communication, and any conditions that come back, keeping the process moving instead of letting it drift. You stay focused on your business. We handle the process.

Meet Our Expert Sydney Team

When you’re buying or refinancing commercial premises, the finance side gets detailed fast. Our Sydney brokers guide you through it and connect you with lenders who understand your property type and how your business trades.

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Why Should I Use a Commercial Mortgage Broker in Sydney?

Most borrowers use brokers for access. Lender appetite in Sydney commercial property varies by asset—industrial in western corridors, CBD office, and North Sydney. While your bank gives one view, a broker navigates eight to ten lenders so your deal isn’t mispriced.

Why Compare Multiple Lenders Instead of Going Directly to My Bank?

Your bank can only offer its own products and internal credit policy. We evaluate and compare a broad range of bank and non-bank lenders to find flexible structures tailored to your specific deal, rather than settling for whatever one lender is willing to approve.

Am I Protected by the Same Laws as a Home Loan Borrower?

Generally, no. Loans used predominantly for business purposes sit outside the NCCP Act, so statutory Best Interests Duty doesn’t apply to commercial finance. That makes our high standards essential: full commission transparency, clear lender comparisons, and fully justified recommendations.

Will Someone Manage the Application Process for Me?

Yes! From documentation through to settlement, we manage lender communication and keep things moving. This way, the process doesn’t become a distraction from running your business.

Will You Continue Reviewing My Loan Structure in the Future?

Absolutely. As your business evolves and lending conditions shift, we’ll continue reviewing your commercial loan to make sure it still supports where you’re headed, not just where you started.

Loan Calculators

With any commercial purchase, the first question is whether it stacks up financially. Our free calculators let you estimate repayments and weigh up the costs, so you can see how it sits against your other commitments.

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What our clients say

Thank you for all your help and guidance. Not just for applying for the mortgage and liaising with my solicitor etc, but also the help you gave me last year when I was still in the researching phase. You were patient and let me go at the pace that suited me. That meant a lot to me.

Jane Hunter

I know that we spoke on the phone the other day, but I just wanted to follow up with a written note to say thank you for being so helpful and for getting my loan through in such a short time. So thank you for your help and patience. I will certainly recommend you to anyone needing a loan, and fingers crossed, will be back to you later this year for a loan on a property that I want to build. I promise a longer lead time on that one!

Joanne Greenlees

Thanks so much again for getting my loan approved with such alacrity! You’ve been just amazing and I look forward to recommending your services to everyone I know!

Jane Malone

Our experience with Laura as our broker has been excellent. She went above and beyond and did help us a lot. We were so happy with our new home 🏡 in the end. We couldn’t be more thankful to Laura. To be honest, the process of buying your first property in Australia is a bit complicated (especially for us that do not understand how the process of buying a property works here in QLD), but Laura did help us a lot. Will definitely recommend her services

Oliveira

Ben was fantastic front start to finish. He was always very generous with his time in talking through the different options and answering my many questions. He worked hard to get us the best deal we could get and we're very grateful for his efforts. I'd highly recommend.

William Twyman

Frequently Asked Questions

It depends on a blend of factors: income, business performance, existing commitments, and the property itself. Lenders examine risk closely, and two similar applications can get very different outcomes, so a proper assessment before submission gives you a much clearer view of what’s realistic.

Typically between 20% and 30%. Lenders generally cap lending at around 75% loan-to-value for investment purchases up to $1 million, though this varies by lender, deal and property type.

Usually up to 15 years, longer on application, and up to 30 years if the loan is secured against residential property. Interest-only periods are commonly available for up to 5 years.

Rates vary more than most people expect, depending on the lender, the loan structure, and how the deal is assessed for risk. Fixed and variable options are usually available, but pricing can differ significantly between lenders for what looks like the same deal on paper.

Longer than residential loans generally, since there’s more assessment involved. A well-prepared application can speed things up, but it’s still not a quick process in most cases.

A General Security Agreement (GSA) gives the lender security over all the assets owned by you or your company, on top of the property itself. Whether one applies depends heavily on the individual lender, your industry and how the deal is assessed overall. No fixed rule determines it.

Generally, GSAs are more common on larger or higher-risk deals, and a stronger financial position may improve your chances of avoiding one, but this varies enough between lenders that it’s worth asking directly about your specific deal, rather than assuming.

Yes, provided the purchase complies with superannuation law, including arm’s length dealings and your fund’s investment strategy. SMSF commercial lending has its own rules and lender requirements, so it’s worth getting guidance specific to your fund.

Mostly, yes, with one exception in your favour. NSW calculates transfer duty on commercial property using the same general sliding scale as residential, up to a top marginal rate of 5.5% on the portion of the price above $1,290,000. The difference is NSW’s 7% premium duty rate, which applies to residential property over $3.870 million and doesn’t apply to commercial or industrial land. First home buyer concessions don’t apply either way, since those are a residential-only concession.

There’s no single right time, but there are several situations where it’s worth exploring. You may want to consider a commercial property loan if:

  • Your business has outgrown its current premises
  • You’re ready to purchase the property your business currently leases
  • You want to expand into commercial property as an investor
  • Your existing commercial loan no longer offers competitive terms
  • You need funding structured around a development or renovation project

Even if you’re unsure whether it’s the right move, reviewing your options can help you make a more informed decision.

Have a question on Commercial Property Loans? Reach out to our Team