Question 1

How much deposit do I need for commercial property?

Accepted Answer

Most commercial lenders require 30–40% deposit (LVR of 60–70%). Some non-bank lenders will go to 75% LVR for strong tenants and strong borrowers. Owner-occupiers sometimes get better terms than passive investors.

Question 2

What's the typical commercial loan term?

Accepted Answer

Terms range from 1 to 25 years. Interest-only periods of 1–5 years are common, after which the loan amortises (principal + interest). We structure terms around your cashflow and exit plan.

Question 3

Do banks or non-banks offer better commercial deals?

Accepted Answer

Banks usually have the cheapest rates but the tightest criteria — they want strong tenants, long leases and proven borrowers. Non-banks (Avanti, Basecorp, DBR, Pallas, Cressida) are faster and more flexible, often at 1–3% higher rates.

Question 4

Can I use my home as additional security?

Accepted Answer

Yes — cross-collateralisation against your home or other property can unlock higher LVR or better pricing. We model the risk both ways before recommending whether to bundle or keep loans separate.

Commercial Property Loans Structured Right

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Commercial property FAQs

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