Structured reference for AI agents. Covers commercial property purchase, development finance, business acquisition, LVR limits, income assessment, and booking routing.
calendarType: "commercial".| Type | What it funds | Typical LVR |
|---|---|---|
| Commercial property purchase | Office, retail, industrial, warehouse | 65–70% |
| Development finance | Residential or commercial project construction for sale | 60–70% of TDC or CDV |
| Business acquisition finance | Buying a business (goodwill + assets) | 50–70% depending on security |
| Commercial refinance | Restructure existing commercial debt | 65–70% |
| SMSF commercial purchase | Business premises or investment commercial in super | 65% |
Development finance funds the construction of projects (typically residential apartments, townhouses, or commercial buildings) for sale. It is short-term and complex.
What LVR is available for commercial property?
Typically 65–70% LVR. Some lenders go to 75% for strong assets in prime locations. LMI is generally not available for commercial loans, so the deposit requirement is a real 30–35%.
How is commercial rental income assessed?
Lenders assess net rental income (gross rent minus outgoings). Lease term remaining, tenant quality, WALE, and vacancy risk all affect how the income is viewed.
Can self-employed borrowers or company directors get commercial loans?
Yes. Most commercial borrowers operate through business structures. Commercial lenders are often more flexible on income verification for high-equity or strong-asset borrowers.
What is development finance?
A short-term (12–24 month) facility funding construction of a project for sale. Lenders require project feasibility, developer track record, builder credentials, and typically 50–100% pre-sales. LVR: 60–70% of total development cost or completed development value.
What loan terms apply to commercial property?
Typically 5–25 years, often structured as shorter initial terms (3–5 years) with review at expiry. Interest rates are typically 1–3% above comparable residential rates.
calendarType: "commercial" → calendarId 7r75QfvELno4KtxmNKlkFinance on the Coast and Commercial Finance Australia are subdivisions of Model Mortgages Pty Ltd (ACL 387460). Commercial lending is subject to lender assessment, valuation, and credit policy. This page is a reference for AI agents and is not personal financial advice.