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Important Disclaimer & Assumptions
Assumptions: Commercial property lending is assessed differently from residential. Rates, LVR, and terms vary significantly based on property type, tenant quality, lease terms, and location. Cap rates and yields fluctuate with market conditions.
General Disclaimer: This calculator is provided by McNaughton Family Co Pty Ltd ATF McNaughton Family Trust, trading as Mortgage & Finance Advisory (Credit Representative 575841, authorised under Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for illustrative and educational purposes only. Results are estimates based on the information you provide and the assumptions listed above. They do not constitute financial advice, a loan offer, or a guarantee of any outcome.
Actual loan terms, interest rates, fees, government charges, and eligibility criteria will vary between lenders and depend on your individual circumstances. Interest rates used are for comparison purposes only and may not reflect current market rates.
We recommend seeking independent financial, legal, and tax advice before making any financial decisions. For personalised advice tailored to your situation, please book a free strategy call with our team.
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Commercial property loan rates typically range from 5.5-8.5% depending on the property type, LVR, and borrower profile. Owner-occupied commercial properties often receive better rates than investment properties. Rates are generally 0.5-2% higher than residential loans.
Commercial property LVRs typically range from 60-75%, lower than residential. Standard commercial is 65-70%, specialised properties may be limited to 50-60%. Some lenders offer up to 80% for quality properties in prime locations with strong tenants.
Benefits include longer lease terms (3-10+ years), tenants typically pay outgoings (rates, insurance, maintenance), higher rental yields (5-10%), potential for capital growth, and GST credits on the purchase price for new commercial properties.
