Commercial Mortgages Australia | Business Property Loans
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At Fundsie, we make commercial mortgages straightforward and stress-free for Australian business owners and investors. Whether you’re buying your first office space, warehouse, retail shop, or industrial property—or refinancing an existing one—our expert brokers connect you to the right lenders from our network of 60+ options.
Commercial property finance isn’t one-size-fits-all. Lenders look at your business cash flow, lease strength, property type, and long-term plans, which is why going direct to banks can limit your choices and rates. As independent brokers, we shop the market on your behalf to find competitive terms, higher loan-to-value ratios where possible, flexible repayment options (like interest-only periods), and faster approvals – often without the red tape.
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What is a Commercial Mortgage?
A Commercial Mortgage (also known as a commercial property loan or business property finance in Australia) is a specialised type of loan designed to help businesses, investors, and property owners purchase, refinance, develop, or refurbish non-residential real estate. Unlike a standard home loan, which finances properties for personal living (e.g., houses or apartments), a commercial mortgage is secured against properties used for business purposes or income generation.
These loans fund a wide range of commercial assets, including:
- Office buildings and suites
- Retail shops and shopping centres
- Industrial warehouses and factories
- Medical centres or professional premises
- Mixed-use developments
- Investment properties leased to tenants (e.g., for rental income)
In Australia, commercial mortgages are typically tailored to the borrower’s business needs and the property’s income potential. Lenders assess factors like:
- The property’s rental income and lease strength (e.g., tenant quality, lease length)
- Your business cash flow, financial statements, and credit history
- The property’s location, condition, and market value
- Loan-to-Value Ratio (LVR), often capped at 60-70% (meaning a larger deposit than residential loans, usually 30-40%)
Why Businesses Choose Commercial Mortgages in Australia
Securing a commercial mortgage allows you to:
- Own your premises instead of renting, building equity and potential capital growth
- Benefit from tax deductions on interest, depreciation, and property costs
- Access flexible structures like interest-only repayments during growth phases
- Scale your operations with dedicated space or investment portfolios
However, the process can involve more paperwork and scrutiny than residential lending, as lenders prioritise the property’s ability to service the debt through rental income or business profits.
At Fundsie, our independent brokers compare 60+ lenders to find the most competitive rates, flexible terms, and suitable options for your commercial mortgage application – whether you’re in Sydney, Gold Coast, or nationwide. Ready to explore your commercial mortgage? Contact us for a free, no-obligation assessment today.
Commercial Mortgage Considerations
Every commercial mortgage is different, but lenders typically assess:
- Type and location of the property
- Your business income or lease arrangements
- Loan-to-value ratio (LVR) and deposit size
- Credit history and current liabilities
- Exit strategy (especially for development or short-term loans)
We’ll guide you through what’s required and position your commercial mortgage application clearly and professionally to give you the best shot at approval – on the best possible terms.
Call now to speak with a Commercial Mortgage Broker
Speak to an expert broker in minutes – no obligation, no pressure. Get your tailored quote today!
Commercial Property We Finance
- Offices
- Warehouses & factories
- Retail spaces & shops
- Showrooms
- Mixed-use developments
- Strata commercial lots
- Industrial or storage units
Need help with something niche or unusual? Just ask. We’ve got access to lenders who think outside the box. Need a business loan facility to go with your commercial mortgage?
Why Clients Choose Fundsie for Commercial Mortgages?
Business-savvy advice
We understand what commercial lenders are looking for and how to build a strong case.
Structured for success
From income verification to loan terms, we’ll tailor a strategy that works for your business or investment goals.
We compare a broad lender panel
Including specialist commercial lenders who offer flexible solutions beyond the big banks.
End-to-end management
From initial consultation to settlement, we take care of the application, documentation, and negotiation.
Let's Talk Commercial Mortgages Now!
Commercial lending doesn’t need to be complicated – but it does need to be done right. If you’re buying your first commercial asset or growing your portfolio, we’re here to help make it happen.
Call now and let’s talk through your plans and how we can help finance them.
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- Burleigh Heads, QLD, 4220 ABN 33 635 257 831
