Commercial Property Loans in Geelong & Melbourne
What is a Commercial Loan?
Commercial loans are used to purchase or refinance commercial property such as offices, warehouses, retail outlets, or development sites. These loans typically involve more complex terms and higher deposits.
How Lend Dreams Can Help You
We assess your business needs, financials, and future growth plans to secure funding from lenders who specialise in commercial lending. We manage negotiations, prepare documentation, and support you from application to settlement.
Things to consider
Deposit Requirements
Most commercial property loans require 20–30% deposit. Some lenders may allow lower deposits, but they often charge higher rates or stricter terms.
Valuation and Property Risk
Commercial properties are valued differently than residential ones. Location, lease agreements, and tenant quality play a major role in lender decision-making.
Loan Term & Structure
Terms are usually shorter than home loans (e.g., 15–20 years), and interest rates can be variable. We help negotiate terms that align with your cash flow.
Exit Strategy or Refinance Planning
Some lenders want to see your plan for paying off or refinancing the loan. We help structure your application with clear business projections and future strategies.
Commercial lending rewards preparation
Whether you are buying the premises your business runs from or adding a commercial property to your portfolio, the rules differ from residential: deposits are larger, terms are shorter, and lenders care as much about the tenant and the lease as they do about you. The spread between a well-presented application and a poorly-presented one is wider in commercial than anywhere else in lending.
Owner-occupiers have a particular advantage: your business paying rent to yourself instead of a landlord changes the economics of the purchase entirely, and lenders treat owner-occupied commercial more generously than pure investment.
How we approach commercial deals
- Owner-occupier or investor strategy: the loan, entity and term structured for which one you are.
- The full lender spread: majors, regionals and specialist commercial funders all price the same deal differently.
- Lease-doc options for investors: where the rent services the debt, some lenders lend against the lease with limited financials.
- Deal packaging: financials, lease and entity structure presented the way a credit team wants to read them.
Commercial lending questions, answered
Commonly 20–35% depending on the property type and the strength of the deal, standard offices, warehouses and retail sit at the lower end; specialised properties need more. Owner-occupiers with strong trading businesses often achieve the sharpest terms.
Typically 15–25 year terms, with interest-only periods available. Rates are usually a margin above residential, and pricing varies far more between lenders than in home lending, which is exactly why comparing matters more here.
A loan assessed primarily on the property’s lease income rather than your full financials, if the rent comfortably covers the repayments, some lenders need little else. Useful for investors with complex financials buying tenanted property.
Yes, an SMSF can buy commercial property and lease it back to your own business at market rent. It is one of the most common SMSF strategies for business owners. See our SMSF loans page, and take licensed financial advice on whether it suits your fund.
Commercial property moves fast. Your finance should too.
A free 15-minute chat with a local broker. No obligation, no jargon.