Commercial Property Loans Perth
Buying the building your business operates from, or adding commercial to your portfolio? Commercial lending is its own world — different LVRs, terms and lender policies.
Owner-occupied commercial
Buy the premises your business operates from — often cheaper than leasing long-term.
Investment commercial
Industrial, office, retail and mixed-use properties.
Higher LVR than most expect
Owner-occupied commercial can reach 80% LVR with the right lender.
Commercial vs residential lending
Commercial loans have shorter terms (often 15-20 years), higher rates (typically 1-2% above residential), and stricter LVRs (often 65-70%). But the right structure unlocks genuine value.
What lenders assess
Lease quality, tenant covenant, property use, zoning, location, and your experience as an owner. Owner-occupied deals are typically easier than pure investment.
FAQs
What LVR can I get on commercial property?
Typically 65-75% for investment commercial, up to 80% for owner-occupied. Some specialist lenders go higher.
Can I use my SMSF to buy commercial property?
Yes, especially for your own business premises leased at market rent. See our SMSF loans page.
Commercial Property Loans across Perth
We service clients right across the Perth metro area. Pick your suburb for a local page:
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