Commercial Property Loans in Sydney — Owner-Occupied, Investment & SMSF

Name: RyRo Loan Centre
Address: 11 Solent Cct, Norwest, NSW, 2153, AU
Telephone: 1300 11 7976
Price range: $$
Rating: 5

Purchasing commercial property — whether to house your own business, build an investment portfolio, or inside your SMSF — requires a specialist approach. LVR limits, tenancy requirements, and lender appetite vary dramatically by property type. RyRo Loan Centre brokers commercial property loans across 50+ lenders for Sydney businesses and investors. $0 broker fees.

50+Lenders

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$0Broker Fees

5.0/5 Rating340+ Reviews

13+ YearsTrusted Professionals

100% SatisfactionProven results for 2000+ clients

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Book Your Free Commercial Property Assessment

Tell us the property type and your structure — we'll identify the right lenders and realistic LVR within one business day.

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“Just tell us what you're buying, we'll match you to the right lender. No pressure, no obligation.”

Sumit · Director & Senior Loan Specialist

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Commercial Property Finance — Updated April 2026

Why Commercial Property Lending Requires a Specialist Broker

Commercial property lending is fundamentally different from residential mortgage lending. Lender appetite, maximum LVR, interest rates, and approval timeframes all vary significantly by property type, location, tenancy profile, and borrower structure. A childcare centre and a CBD office building are both commercial property — but they are assessed by entirely different lender panels at different LVRs and rates.

RyRo Loan Centre navigates the commercial lending market for owner-occupiers, investors, and SMSF trustees — matching each property acquisition to the right lender before any application is submitted. We identify which lenders are actively lending for your specific property type, what LVR they will support, and what documentation is required to maximise approval chances. Explore our full business finance services or see SMSF loans for superannuation-funded commercial property.

50+

Lenders compared including commercial specialists

Broker fees — paid by the lender

13+

Years of commercial property lending experience

LVR Guide

Commercial Property LVR by Property Type

Maximum LVR for commercial property is not uniform — it varies significantly by property type, location, and tenancy. Here is a realistic guide to what mainstream and specialist lenders will support:

Property Type	Typical Max LVR	Key Lender Considerations
Office (CBD / metro)	Up to 70%	Lease term, tenant covenant, vacancy rate
Industrial / warehouse	Up to 65–70%	Clear height, hardstand, location
Retail (high street / strip)	Up to 65%	Foot traffic, tenant mix, lease term
Medical centre	Up to 65–70%	AHPRA tenants, lease structure
Childcare centre	Up to 55–65%	Operator licence, land tenure
Petrol station / hospitality	Up to 50–60%	Specialist lenders only
Owner-occupied commercial	Up to 70–80%	Business financials, trading history
SMSF commercial	Up to 65%	LRBA structure, related party lease

LVR limits are indicative and vary by lender, location, and application quality. We assess realistic LVR for your specific property upfront.

Owner-Occupied vs Investment

Owner-Occupied vs Investment Commercial Property

Owner-occupied commercial property

A business purchasing the premises from which it operates — a warehouse, medical practice, office, or retail space. Lenders assess the business's financial performance to determine serviceability, giving credit for the operational tie between business and property. LVR limits are often higher (up to 70–80%) because the business's ongoing occupation reduces vacancy risk. This is one of the most tax-effective strategies for business owners — rental payments to a third party are replaced by principal and interest repayments that build equity in a business-owned asset.

Commercial investment property

An investor purchasing commercial property to lease to third-party tenants. Serviceability is assessed against rental income (typically shaded at 70–80% by lenders) and the investor's overall financial position. Key assessment factors are: lease term remaining, rent review provisions, tenant covenant strength (national tenant vs small business), vacancy risk, and property location. Strong, long-term leases with creditworthy tenants attract the most competitive terms.

SMSF Commercial Property

Buying Commercial Property in Your SMSF

Purchasing commercial property through a Self-Managed Super Fund (SMSF) is one of the most powerful wealth-building strategies available to Australian business owners. The key advantage over residential SMSF property: a related party (your business) can lease the commercial property from the SMSF — something not permitted with residential property.

Rental income flows into the SMSF in a concessionally taxed environment (15% accumulation, 0% pension phase)
Your business pays rent to your SMSF — effectively redirecting an operating cost into a retirement asset
Capital gains on property held in SMSF for 12+ months are taxed at 10% (accumulation) or 0% (pension phase)
SMSF commercial loans (LRBAs) typically allow up to 65% LVR
The LRBA structure must be correctly established with a bare trust and separate custodian trustee

See our dedicated SMSF loans page for full details on SMSF borrowing structure, eligibility, and lender requirements. Or book a free strategy call to discuss whether SMSF commercial property suits your situation.

What Commercial Property Are You Looking to Finance?

Tell us the property type and your structure — we'll identify realistic LVR and the right lenders.

No Credit Check100% Obligation-Free

Join hundreds of clientsWe respond within 24 hours

“Just tell us what you're buying, we'll match you to the right lender. No pressure, no obligation.”

Sumit · Director & Senior Loan Specialist

By submitting, you agree to our privacy policy and terms of service.

Why RyRo

Why Commercial Property Buyers Choose RyRo

We know which lenders are active by property type

Commercial lender appetite changes. Some lenders that funded childcare centres 18 months ago have withdrawn. Others have expanded into industrial and medical. We know the current state of the market — who is actively lending, at what LVR, and for what property types right now.

We identify realistic LVR before you make an offer

The worst time to discover a property is only fundable at 55% LVR is after you've exchanged contracts. We review the property type and location upfront so you know your equity requirement before committing.

We prepare applications that commercial credit desks approve

Commercial applications require more detailed preparation than residential. We provide complete tenancy schedules, lease summaries, feasibility overviews, and borrower profiles that give credit assessors everything they need — reducing conditions and delays.

$0 broker fees

Commercial property broker fees are paid by the lender. No upfront costs, no assessment charges.

FAQs

Commercial Property Loan FAQs

What is a commercial property loan in Australia?

A commercial property loan is a mortgage used to purchase or refinance a commercial, industrial, or retail property — as distinct from a residential mortgage. Commercial property includes office buildings, industrial warehouses, retail shops, medical centres, childcare facilities, and mixed-use properties. Commercial loans are assessed differently to residential mortgages: lenders focus on the property's income-generating capacity, the tenant's covenant strength, lease terms, LVR against commercial value, and the borrower's business profile. Interest rates are generally higher than residential mortgages, and maximum LVR limits are lower.

What LVR can I borrow at for a commercial property in Australia?

Maximum LVR for commercial property varies by property type, location, and lender: (1) Standard commercial (office, retail, industrial) in CBD or metro locations — typically up to 65–70% LVR. (2) Regional commercial properties — often capped at 60–65% LVR. (3) Specialised properties (childcare, petrol stations, motels, caravan parks) — 50–60% LVR with specialist lenders only. (4) Owner-occupied commercial (business owner buying the property their business operates from) — up to 70–80% LVR with some lenders, particularly if the business has strong financials. (5) SMSF commercial property — typically up to 65% LVR. Higher LVR options may be available through non-bank lenders or with additional security.

What is the difference between owner-occupied and investment commercial property loans?

An owner-occupied commercial property loan is for a business purchasing the property from which it operates — a warehouse, office, surgery, or retail premises. Lenders assess the business's financial health and its ability to service the loan from its trading income. LVR can be higher (up to 70–80%) as the business's operational tie to the property reduces vacancy risk. An investment commercial property loan is for an investor purchasing commercial property to lease to third-party tenants. Lenders assess the property's rental income, lease terms and expiry, tenant covenant strength, and the investor's overall portfolio. Serviceability is tested against rental income (typically shaded at 70–80%), and LVR limits are slightly lower.

Can an SMSF borrow to purchase commercial property?

Yes — SMSF borrowing to purchase commercial property through a Limited Recourse Borrowing Arrangement (LRBA) is one of the most common SMSF investment strategies. A key advantage is that business real property (property used in the business of a related party) can be acquired by an SMSF from a related party — this is an exception to the general prohibition on related-party transactions. A business owner can sell their commercial premises into their SMSF, lease it back from the fund, and have the rental payments flowing into a tax-advantaged environment. SMSF commercial property loans typically allow LVR of up to 65% and require the trust structure to be correctly established. See our SMSF loans page for full details.

What documentation is required for a commercial property loan?

Commercial property loan documentation is substantially more detailed than a residential mortgage. Typical requirements include: 2 years of business and personal tax returns for all guarantors, business financial statements (P&L, balance sheet), lease documentation for the subject property and existing portfolio, current rental ledgers, a current commercial valuation (usually ordered by the lender), details of any existing commercial lending, and a description of the business and its trading history. For investment purchases, the proposed lease terms or existing lease agreements are critical documents. We prepare complete applications that anticipate every document request before submission.

What are the typical interest rates for commercial property loans?

Commercial property loan rates are generally 1–3% higher than equivalent residential investment loan rates, reflecting the higher risk profile and different security type. As a guide: prime commercial property rates (metro, strong tenancy) typically range from 6–8% p.a. for secured bank loans. Regional or specialised properties carry rate premiums. Non-bank and specialist commercial lenders have wider rate ranges depending on property quality and borrower profile. Commercial rates are often quoted as variable (Prime/bank bill swap rate + margin) rather than fixed. The all-in rate — including fees, establishment charges, and any annual review fees — is the correct cost comparison metric.

How long does commercial property loan approval take?

Commercial property loan approval typically takes 4–8 weeks for a standard commercial purchase or refinance. Complex properties (specialised assets, short leases, multiple tenancies) or larger facilities can take 8–12 weeks. The process includes credit assessment, commercial valuation (which typically takes 2–4 weeks to commission and complete), lease review, and legal documentation. We prepare complete applications upfront and manage the lender's requirements proactively to avoid delays. If timing is critical — for example, a 30-day settlement clause — we identify this upfront and adjust the lender strategy accordingly.

Can I use commercial property as security for a business loan?

Yes. Commercial property you own is a powerful form of security for business lending. Lenders will lend against the equity in commercial property for business term loans, lines of credit, or working capital facilities — typically to 65–70% of the commercial property value, less any existing debt secured against it. If you own your business premises outright or have significant equity, this equity can be unlocked to fund business growth, equipment, or working capital at rates substantially below unsecured business loan rates. We model the equity available in your commercial property portfolio and structure the most cost-effective business lending against it.

Have a question not covered here? View all FAQs or ask us directly.

Ready to Finance Your Commercial Property?

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“Commercial property LVR surprises are avoidable. We assess what a lender will actually fund for your property type before you exchange contracts.”

Sumit · Director & Senior Loan Specialist

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Asset Finance

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Keeping your settlement on track from application to keys.

5.0/5 Rating340+ Reviews

13+ YearsTrusted Professionals

100% SatisfactionProven results for 2000+ clients

50+Lenders

FastPre-approval

$0Broker Fees

Get Started

Free strategy call - no obligation

Tell us the property type, purchase price, and your structure — we'll identify realistic LVR and the right lenders.

No Credit Check100% Obligation-Free

Join hundreds of clientsWe respond within 24 hours

By submitting, you agree to our privacy policy and terms of service.

What Our Customers Say

5 out of 5

Based on 340+ verified Google Reviews.

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"We can't thank Sumit enough for helping us secure our first home - especially in such a tough and competitive market. He truly went above an…"

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Commercial Property Loans in Sydney — Owner-Occupied, Investment & SMSF

Book Your Free Commercial Property Assessment

Why Commercial Property Lending Requires a Specialist Broker

Commercial Property LVR by Property Type