Commercial Loans · Sydney NSW

Commercial finance that works for your business.

Getting a commercial loan can be a great way to fund the growth of your business, purchase commercial premises, or make essential capital investments. Our experienced brokers navigate the complexity of commercial lending to find the right solution for you.

Get in Touch Common Questions
★★★★★ Rated 5 Stars on Google

Expert Commercial Mortgage Broking

Commercial lending is more complex than residential — LVRs are lower, documentation requirements are higher, and lender criteria varies significantly. Choosing the wrong lender or structure can cost your business significantly. That's why working with an experienced commercial mortgage broker is essential.

At Get Home Loan, our brokers have extensive experience arranging commercial property finance for businesses and investors of all sizes. We work with a wide panel of lenders — including major banks, boutique lenders, and non-bank alternatives — to find the most competitive and appropriate solution for your situation.

Commercial Loan Solutions We Arrange

  • Owner-occupied commercial property — buy your own premises
  • Commercial investment property — shops, offices, warehouses, factories
  • Mixed-use properties — residential/commercial combinations
  • Industrial and warehouse finance
  • Medical and professional premises
  • Commercial refinancing — reduce your ongoing costs

Key Commercial Loan Features

LVRs typically up to 70–75% · Variable and fixed rate options · Interest-only available · Full doc and lo doc options · Terms to 30 years · Lines of credit available

The Commercial Lending Process

1

Initial Assessment

We assess your business financials, the property type, and your goals to determine the most suitable lending approach.

2

Lender Selection

We identify lenders whose appetite matches your property type and profile, then structure the application for the strongest possible submission.

3

Valuation & Credit

Commercial valuations are more detailed than residential. We manage the process and respond to any lender queries quickly.

4

Settlement

We coordinate solicitors, lenders, and all parties to ensure a smooth settlement on your timeline.

Frequently Asked Questions

Got questions? We have answers.

Commercial loans typically go to 65–75% LVR, depending on the property type, location, and lender. Speciality properties (petrol stations, hotels, etc.) may have lower LVRs. We'll identify the best LVR available for your specific property.
Yes — several lenders offer lo doc commercial loans for self-employed borrowers or those with non-standard income documentation. We work with lenders across the full spectrum.
Commercial loans generally have lower LVRs, higher rates, shorter fixed terms, and more rigorous assessment criteria. Lender appetite also varies significantly by property type. An experienced broker is essential to navigate this effectively.
Yes — SMSF members can purchase commercial property, including business premises used by a related party. See our SMSF Commercial Loans page for more detail.
Commercial loans typically take 4–8 weeks from application to settlement, though this varies by complexity. We manage the timeline and keep all parties informed throughout.

Ready to get started?

Get in touch and an expert broker will be in contact within one business day.

Get in Touch

Related Expert Guides

In-depth articles from our Sydney mortgage brokers to help you make informed decisions.

Professional Loans

Self-Employed Mortgage Broker Sydney

Low-doc, alt-doc, add-back income — how Sydney business owners access competitive home loans.

Read more →

Mortgage Broker Sydney

Mortgage Broker Sydney: The Complete Guide

How brokers work and why comparing 50+ lenders beats going direct to a single bank.

Read more →

Mortgage Broker Sydney

Mortgage Broker vs Bank Sydney

Which gets you a better deal? Honest side-by-side comparison with clear data.

Read more →
View all expert guides →