Commercial Property Investment Loans

Commercial property can be a powerful way to grow and diversify your wealth – but the finance is often more complex than a standard home loan.

At Loanworx, we help first-time and experienced investors secure Commercial Property Investment Loans that are structured around real-world cash flow, tenant risk and long-term strategy. Whether you’re purchasing your first commercial asset or adding to an established portfolio, we’ll help you understand how much you can borrow and how lenders will assess your income streams, so you can invest with confidence.

Why Work With Loanworx on Commercial Property Investment Loans?

At Loanworx, we understand the extra moving parts that come with commercial property. Multiple tenants, different lease terms, tighter lender policies and complex ownership structures can all make it harder for banks to see the full picture — but this is where we do our best work.

We take the time to understand your investment strategy, your current portfolio and how your income is structured, then translate that into the way lenders think. Our goal is simple: to help you secure Commercial Property Investment Loans that fit both your risk profile and your long-term plans, without drowning you in jargon or paperwork.

How We Support Commercial Property Investors

Experience with both simple and complex commercial investment structures
Ability to review your full financial position, including companies, trusts and SMSFs
Detailed analysis of income from single or multiple tenants, calculated the way lenders require
Access to major banks and specialist commercial lenders for a wider range of options
Clear explanations of terms, conditions and cash flow impact in everyday language

Some lenders on our panel can, in certain scenarios, place more focus on the strength of the lease and the property itself, which may reduce the level of documentation required. We’ll let you know when and where these options may be appropriate.

Is Commercial Property the Next Step for Your Portfolio?

Many investors start looking at Commercial Property Investment Loans once they’ve built up equity in residential property or their business. Common reasons include wanting higher rental yields, longer leases, or a way to diversify a portfolio that’s heavily weighted to residential assets.

You might also be looking at commercial property because you’ve identified a strong tenant, a long lease, or an asset that fits well with your existing holdings. Whatever your motivation, getting the finance structure right from the start can make a big difference to how well the investment works over time.

Why Getting Your Finance Strategy Sorted Early Matters

Commercial opportunities don’t always wait for you to “get everything perfect”. Having your lending strategy sorted early means you can move quickly and confidently when the right property appears, rather than scrambling for approvals at the last minute.

By reviewing your position now, you’ll have a clearer idea of how much you can borrow, which structures may suit you best and what different lenders are likely to offer. That knowledge helps you negotiate more effectively and avoid missed opportunities when the right investment comes up.

Key Points to Know About Commercial Property Investment Loans

Setting up Commercial Property Investment Loans is different from arranging a residential investment loan. It’s important to understand both the benefits and the risks before you move ahead.

Potential Benefits:

Potentially higher rental yields than many residential properties
Longer lease terms that may provide more predictable income
A way to diversify your portfolio by sector and location
The ability to use different ownership structures (company, trust, SMSF) with appropriate advice
Loan structures tailored to match your investment horizon and risk profile

Things to Watch:

Lower loan-to-value ratios (LVRs) than typical residential loans
Loan terms that can be shorter and vary by property type and lender
Greater emphasis on tenant strength, lease quality and sector risk in lender assessments
Vacancies or rent changes having a more noticeable impact on cash flow
The need for your accountant and adviser to help set up the right ownership structure

We’ll step you through these considerations in simple language so you understand how they apply to your specific property and plan.

Our Commercial Lender Panel

With access to both major banks and a broad range of specialist commercial lenders, Loanworx is well placed to match you with Commercial Property Investment Loans that suit your strategy.

That means we can look beyond a single bank’s policy and explore options that may be better suited to:

Multi-tenanted properties
Office, industrial, retail or specialist assets
More complex investment structures

Our lender relationships and experience help us find finance solutions for both straightforward and more challenging commercial scenarios.

Our Process for Securing Commercial Property Investment Loans

Getting the right Commercial Property Investment Loan isn’t just about filling out an application – it’s about having a clear plan for your investment and your finance.

Step 1: Initial Conversation

We talk through your goals, current portfolio, income structures and the type of commercial property you’re considering.

Step 2: Assessment and Strategy

We review your financial position and the property’s income profile, then outline lending strategies and likely options based on lender criteria.

Step 3: Compare and Choose

We approach suitable lenders on your behalf, compare terms and interest rates, and present the strongest options in clear, straightforward language.

Step 4: Application and Settlement

We prepare and lodge your application, liaise with the lender and your professional advisers, and support you right through to settlement.

Speak to a Property Loan Specialist

Frequently Asked Questions

Can I get a Commercial Property Investment Loan if the property has multiple tenants?

Yes, many commercial properties are multi-tenanted. Lenders will look at each lease, the industries involved and overall vacancy risk. We’ll analyse the income the way lenders require and explain how it affects your borrowing capacity.

How do lenders assess my income if I have companies, trusts or SMSF structures?

Lenders will review your group position, not just one entity. Our brokers are used to working with complex structures and will help present your situation clearly so lenders can see the full picture.

Are rates higher on Commercial Property Investment Loans than on residential loans?

Often, yes. Commercial loans can carry higher rates and different terms, reflecting different risk settings. We compare lenders and structures to find a competitive option that still suits your strategy.

Do I need full financials for a Commercial Property Investment Loan?

In many cases, standard financials are required. However, some specialist lenders may offer more streamlined or lease-driven assessments in certain circumstances. We’ll let you know if this is realistic for your scenario.

Can I refinance an existing commercial property loan to improve terms?

Yes. We can review your current loan, compare it to what’s available now and help you decide whether refinancing could reduce costs, improve flexibility or better align with your investment plans.

Ready to Explore Commercial Property Investment Loans with Loanworx?

If you’re considering your first or next commercial property investment, now is a good time to understand your options and put a clear finance strategy in place.

Call us on 1300 562 696 and one of our brokers will be in touch.

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Ready to talk finance?

It’s what we do best. Call us now on 1300 562 696 or fill in the below form to speak to one of our highly skilled brokers.