Commercial Loans
Grow Your Business with Strategic Commercial Property Finance
Buy a Commercial Property
Finance office spaces, retail shops, warehouses, and industrial properties with flexible commercial loan solutions.
Finance for a Development
Construction and development finance for residential subdivisions, unit developments, and commercial projects.
Buy through my SMSF
Purchase commercial property through your self-managed super fund for long-term wealth creation and tax benefits.
Buy a Commercial Property
Commercial property finance helps businesses and investors acquire office spaces, retail premises, warehouses, industrial facilities, and mixed-use properties. Build wealth through commercial real estate with tailored financing solutions.
Types of Commercial Properties We Finance
Office Buildings
Single or multi-tenant office spaces, medical suites, professional offices, and corporate headquarters.
Retail Premises
Shopping centers, standalone shops, strip malls, restaurants, and hospitality venues.
Industrial & Warehouses
Warehouses, distribution centers, manufacturing facilities, and logistics hubs.
Mixed-Use Properties
Properties combining residential, commercial, retail, or office spaces in one development.
Specialty Properties
Medical centers, childcare facilities, service stations, car washes, and self-storage facilities.
Owner-Occupied
Purchase commercial property for your own business operations with favorable owner-occupier rates.
Commercial Loan Features
Competitive Rates
Access competitive interest rates for commercial property, typically starting from 6.5-9% p.a. depending on property type, LVR, and covenant strength.
- Fixed and variable rate options
- Lower rates for owner-occupied properties
- Rate discounts for strong tenant covenants
Flexible Loan Structures
Customize your loan to match your business cash flow and investment strategy with flexible terms and repayment options.
- Loan terms from 1 to 30 years
- Interest-only periods up to 10 years
- Principal and interest or IO options
High LVR Options
Borrow up to 80% of the property value for investment commercial property, or up to 90% for owner-occupied premises.
- Up to 80% LVR for investment properties
- Up to 90% LVR for owner-occupiers
- Cross-collateralization options available
Tax Benefits
Maximize tax deductions on your commercial property investment with expert structuring advice.
- Interest payments are tax deductible
- Depreciation benefits on building and fit-out
- GST credits for eligible purchases
Why Invest in Commercial Property?
Commercial property offers higher rental yields (typically 5-8% compared to 2-4% for residential), longer lease terms providing stable income, and less landlord obligations than residential properties. Many commercial leases are triple-net, meaning tenants pay rates, insurance, and maintenance costs.
Commercial properties can also appreciate significantly in value based on rental income performance, making them excellent wealth-building assets for businesses and investors.
Why Choose ALS for Commercial Loans?
We specialize in complex commercial transactions and have access to specialist commercial lenders beyond the major banks.
Commercial Specialists
Our team has extensive experience in commercial property finance, understanding complex deals and structuring solutions.
Extensive Lender Panel
Access to specialist commercial lenders, private lenders, and non-bank institutions beyond the major banks.
Deal Structuring
Expert advice on structuring your commercial loan for optimal tax benefits and asset protection.
End-to-End Support
We manage the entire process from pre-approval to settlement, liaising with all parties involved.
Finance for a Development
Development finance funds the construction of new properties or major renovations. Whether you're building residential units, townhouses, subdivisions, or commercial developments, we'll help you secure the funding you need.
Types of Development Finance
Types of Development Finance
Residential Development
Finance for residential developments including unit blocks, townhouses, dual occupancies, and land subdivisions. Suitable for builders and developers of all sizes. Coverage includes 2-100+ unit developments, land subdivision and civil works, and townhouse and duplex construction.
Commercial Development
Funding for commercial construction projects including office buildings, retail centers, warehouses, and mixed-use developments. Coverage includes office and retail construction, industrial and warehouse projects, and mixed-use developments.
Construction Loans
Progressive drawdown facilities that release funds as construction milestones are completed, ensuring you only pay interest on funds drawn. Coverage includes progress payment structures, interest capitalization options, and 12-24 month construction terms.
Mezzanine Finance
Additional funding to bridge equity gaps or increase project scope. Sits between senior debt and equity, typically at higher interest rates. Coverage includes filling equity shortfalls, increasing development capacity, and short-term 1-3 year facilities.
Development Loan Features and Requirements
Development Loan Features
All of the features you need for development finance
- LVR up to 80% of total development costs including land, construction, and holding costs
- Option to capitalize interest during construction, reducing cash flow requirements
- Funds released as construction stages are completed and certified by quantity surveyors
- Help structuring your exit via sales, refinance to investment loans, or permanent financing
What You'll Need
Documentation requirements for development finance applications
- Detailed project feasibility showing costs, sales projections, and profit margins
- Development approval (DA) or construction certificate (CC) from local council
- Fixed-price building contract with licensed builder or quantity surveyor's cost estimates
- Track record of completed developments, though first-time developers are considered
Development Finance Considerations
Development finance is more complex than standard property loans. Lenders assess project viability, your experience, market conditions, presales (for larger projects), and exit strategies. Interest rates are typically higher (8-12% p.a.) due to construction risk. We help you prepare comprehensive applications that maximize approval chances and minimize costs.
Commercial Loan Advantages
Build wealth and grow your business through strategic commercial property investment
Higher Rental Yields
Commercial properties typically deliver rental yields of 5-8% compared to 2-4% for residential, providing stronger cash flow and faster wealth accumulation for investors and business owners.
Longer Lease Terms
Commercial tenants typically sign 3-10 year leases with built-in rent increases, providing stable, predictable income and reducing vacancy risk compared to residential properties.
Tax & Depreciation Benefits
Maximize tax deductions through interest payments, depreciation on buildings and fit-outs, and GST credits. Commercial property offers superior tax benefits for businesses and investors.
Buy Commercial Property through Your SMSF
Self-managed super funds can purchase commercial property, including property your business operates from. This powerful strategy allows you to build retirement wealth while potentially reducing business overheads.
Benefits of SMSF Commercial Property
Lease to Your Business
Your SMSF can purchase commercial property and lease it to your business at market rates, with rent paid to your super fund.
Concessional Tax Rate
Rental income is taxed at just 15% in accumulation phase or 0% in pension phase, far lower than personal tax rates.
Build Super Wealth
Property appreciation and rental income grow your superannuation balance in a tax-effective environment.
Business Tax Deductions
Your business can claim rent payments as tax deductions, reducing taxable income while building super.
Asset Protection
Property held in SMSF is protected from business creditors and provides separation of business and personal assets.
Capital Gains Discount
One-third CGT discount in accumulation phase, or 0% capital gains tax if sold during pension phase.
SMSF Loan Requirements and Considerations
SMSF Loan Requirements
Key requirements for SMSF commercial property financing
- Property must be held in a bare trust structure with limited recourse to SMSF assets
- Typically up to 80% LVR for commercial property, requiring 20% deposit from SMSF funds
- Investment must satisfy the sole purpose test of providing retirement benefits to members
- If leasing to related party, rent must be at commercial market rates supported by valuation
Important Considerations
Important factors to consider for SMSF property investment
- Work with SMSF accountants and financial advisors to ensure compliance with super regulations
- SMSF must pay all property costs from fund income or member contributions
- Consider how you'll repay the loan and what happens if business circumstances change
- Most commercial property types are eligible, but residential cannot be leased to members
Frequently Asked Questions
Get answers to common questions about commercial loans
More Than Just Commercial Loans
At ALS Mortgage Solutions, we provide comprehensive commercial finance services beyond just finding you a loan
Lease Review & Negotiation
Expert advice on commercial lease terms and structuring to ensure favorable conditions that support your loan application and protect your interests.
Investment Strategy
Strategic advice on commercial property investment including market analysis, yield assessment, and portfolio diversification strategies.
Professional Network
Access to our network of commercial property specialists including accountants, lawyers, valuers, and quantity surveyors.
Structure & Tax Planning
Guidance on optimal ownership structures (companies, trusts, SMSF) for asset protection and tax efficiency in consultation with your accountant.
Lender Relationship Management
Ongoing relationship management with your lender for future funding needs, loan variations, and maintaining favorable terms.
Portfolio Reviews
Regular reviews of your commercial property portfolio and loans to identify refinancing opportunities and optimize your investment returns.
Ready to Start Your Property Journey?
Get in touch with our expert team today for a free consultation and personalized lending solution.