Commercial Property Loans

Commercial Property Loans in Melbourne and Across Australia - Expert Finance Broker Services from AXTON Finance

Rated 5 from 526 Reviews

Commercial Property Loans - Your Gateway to Business Property Investment

Securing the right Commercial Property Loan can be the cornerstone of your business growth strategy, and AXTON Finance is here to guide you through every step of this crucial investment journey. As one of Australia's leading Finance Brokers, we understand that buying a commercial property represents a significant financial commitment that requires careful planning and expert guidance. Our experienced team specialises in connecting Melbourne clients and businesses across Australia with Commercial Property Loans that offer competitive interest rates and flexible terms tailored to your unique financial situation.

Navigating the commercial property market requires more than just finding available properties - it demands a thorough understanding of loan to value ratios (LVR), borrowing capacity, and the various commercial property finance options available from banks and lenders across Australia. AXTON Finance streamlines the application process by evaluating your credit history, financial situation, and investment goals to match you with the most suitable Commercial Property Loan products. Whether you're considering a variable interest rate or fixed interest rate structure, our Finance Brokers work tirelessly to access some of the best interest rates available, ensuring your loan amount aligns with your business objectives and cash flow requirements.

The complexity of Commercial Property Loans extends beyond simple interest rate comparisons, encompassing factors such as stamp duty obligations, capital gains implications, and specific lending criteria that vary between institutions. Our comprehensive approach involves calculating loan repayments that fit comfortably within your business budget while maximising your investment potential. AXTON Finance maintains relationships with numerous lenders, enabling us to present you with diverse commercial property finance options that might not be readily available through traditional banking channels, with some restrictions applying based on individual circumstances.

For businesses looking to utilise their Self-Managed Super Fund (SMSF), we also provide specialised guidance on SMSF Loan Interest Rates and non-specialised commercial property investments. The loan application process can be overwhelming when attempted alone, particularly when gathering required documentation such as bank statements, financial reports, and proof of income. As experienced Finance Brokers, AXTON Finance simplifies this process through our streamlined application process, ensuring all necessary paperwork is completed accurately and submitted promptly to expedite approval timeframes.

Choosing AXTON Finance as your trusted Mortgage Broker means gaining access to personalised service that prioritises your long-term success over short-term transactions. We believe that applying for a Commercial Property Loan should be an empowering experience that opens doors to new opportunities rather than creating unnecessary stress. Our commitment to transparency means we'll explain all aspects of your Commercial Property Loan, from interest rate discounts you may qualify for to ongoing obligations throughout the loan term, ensuring you make informed decisions that support your business growth and investment property portfolio expansion.

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Common Questions About Commercial Property Loans

What interest rates can I expect with Commercial Property Loans?

Interest rates for Commercial Property Loans vary significantly based on your credit history, loan amount, and the specific lender's criteria. AXTON Finance works with multiple banks and lenders across Australia to access some of the best interest rates available in the market. Factors such as your loan to value ratio (LVR) and financial situation will influence the rates offered, with both variable interest rate and fixed interest rate options available. We recommend booking a Free Consultation with our Finance Brokers to understand what interest rate discounts you may qualify for based on your individual circumstances.

How much can I borrow for a commercial property purchase?

Your borrowing capacity for Commercial Property Loans depends on various factors including your financial situation, credit history, and the property's value. Most lenders typically offer loan to value ratios (LVR) of up to 70-80% for commercial properties, though this can vary based on the property type and your financial profile. AXTON Finance will assess your bank statements, income documentation, and existing commitments to determine your maximum loan amount. Contact our experienced Finance Brokers for a detailed assessment of your borrowing capacity and to explore the best commercial property finance options for your needs.

What documents do I need when applying for a Commercial Property Loan?

The application process for Commercial Property Loans requires comprehensive documentation to assess your financial situation and borrowing capacity. Generally, you'll need recent bank statements, tax returns, financial statements, proof of income, and details about the commercial property you're purchasing. Additional documents may be required depending on whether you're buying an investment property or using an SMSF structure. AXTON Finance provides a streamlined application process and will guide you through exactly what documentation is needed for your specific loan application, ensuring nothing is overlooked that could delay your approval.

Can I use my SMSF for Commercial Property Loans?

Yes, Self-Managed Super Funds can be used to purchase commercial property, subject to specific regulations and compliance requirements. SMSF Loan Interest Rates and lending criteria differ from traditional Commercial Property Loans, and there are particular rules around non-specialised commercial property investments that must be followed. The loan application process for SMSF commercial property purchases involves additional compliance considerations and documentation. AXTON Finance has extensive experience with SMSF commercial property transactions and can explain the specific requirements, restrictions that apply, and help you navigate this specialised area of commercial property finance.

How long does the Commercial Property Loan approval process take?

The timeframe for Commercial Property Loan approvals varies depending on the complexity of your application, the lender's processes, and how quickly required documentation is provided. Generally, the application process can take anywhere from 2-6 weeks, though some straightforward applications may be approved more quickly. Factors such as your credit history, the commercial property market conditions, and specific lender requirements can influence timing. AXTON Finance's streamlined application process is designed to minimise delays and keep you informed throughout each stage. Our Finance Brokers work proactively with lenders to expedite approvals wherever possible, and we'll provide realistic timeframes based on your specific situation during your Free Consultation.

Get help from our Mortgage Brokers

We are passionate about delivering reliable client outcome and not just a cookie-cutter service. With over 100 years of combined industry experience, you can trust the team at AXTON Finance.

Joyce Cheng - Mortgage Broker at AXTON Finance

After a distinguished career in private banking at Macquarie Bank, Joyce recognised the value she could provide to clients in a smaller business setting, serving a diverse range of individuals from emerging wealth and high net wealth backgrounds.

Joyce Cheng

Senior Mortgage Broker

Nicole Campbell - Mortgage Broker at AXTON Finance

With over 20 years of experience working in senior mortgage broking roles, Nicole's experience means she has expert knowledge in lending. Whether it be complex lending structures or first home buyers, Nicole's focus is always reliable client outcomes.

Nicole Campbell

Partner Mortgage Broker

Luke Rowland - Mortgage Broker at AXTON Finance

Driven by a desire to empower his clients with the knowledge, resources and service to deliver results, Luke has earned a reputation, shown in his stellar career trajectory for his exceptional proficiency across the lending spectrum.

Luke Rowland

Partner Mortgage Broker

Access to Competitive Rates from Leading Lenders

Select from over 35 different lenders offering hundreds of mortgage products.

Our Reviews

We pride ourselves on being brokers you can actually trust, from the initial consultation through to annual reviews that we perform years after your settlement, our tailored services and relationship focus is built to last.

Need proof that we are one of Melbourne’s best mortgage brokerages? Don’t just take our word for it – we have hundreds of positive Google reviews from real clients so you can rest assured you’re making the right choice with choosing AXTON Finance.

Google Reviews

Rated 5 from 526 Reviews

Thank you Axton, more importantly thank you Nicole Campbell. From introduction to completion Nicole was amazing. Always supportive, had the answers I needed and more importantly was always available . I can’t recommend Nicole more highly , both for product, performance and but most of all service. Thanks Nicole for all you have done for me , it’s so greatly appreciated.

Anthony McCartney

2 days ago

AXTON Finance are fantastic and extremely easy to deal with, they will help you at every stage throughout any process you need. Big thanks to Adam P for all your help with our loan!

Hayden Barnard

3 days ago

Luke Rowland is a fantastic mortgage broker. He explains everything clearly, found us a great rate when we first took out our mortgage, and has recently reviewed it to make sure we’re still on the best deal. Highly recommended.

Ana Eclair

3 days ago

Working with Nicole to purchase my first property was nothing short of an absolute treat - she looked after me from start to finish, I couldn't have asked for a better person to guide me through the process of purchasing a property for the first time. Nicole made everything really simple for me, which allowed the whole process to be exciting rather than stressful and chaotic. Thanks heaps Nicole!

Gabby Bevan

4 days ago

I had an outstanding experience working with Joyce as my mortgage broker. From the very beginning, she was incredibly knowledgeable, patient, and proactive. She took the time to explain every step of the process, explored multiple options to find the best possible outcome for my situation, and always communicated clearly and promptly.

Julian Reinard

This month

Jean-Marc was really helpful and friendly. He took the time to answer all our basic questions about the process and always contacted us proactively when stuff needed to happen. We’re very grateful, thank you.

James

This month

Nicole Campbell helped us refinance - she was very professional and her communication was exceptional, always took the time to explain things and was always available to answer queries through the process. After previously using a different broker/firm, Nicole managed to secure an even better deal, refinancing our two properties and saving us close to $10k/year in interest. Highly recommend, thanks again!

Richard Azzopardi

This month

Highly recommend Joyce! Incredibly thorough, patient, and genuinely invested in getting the best outcome for me. Everything was explained clearly, no question ever felt silly, and the whole process felt calm and well-supported from start to finish. Her dedication, follow-through, and attention to detail made what could have been stressful feel straightforward and manageable. Wouldn’t hesitate to recommend Joyce to anyone looking for a broker who truly cares.

Lauren Brooks

This month

AXTON Finance - Melbourne's Best Mortgage Brokers

Frequently Asked Questions

How do rental income and tax benefits affect my investment loan application?

Investment properties offer unique advantages in terms of rental income considerations and tax benefits, but these vary based on your individual circumstances and the specific property. The tax implications can be complex and should be carefully considered as part of your overall investment strategy. Book a consultation to understand how these factors apply to your situation and investment goals.

Can I use equity in my existing home to buy an investment property?

Using existing property equity for investment purchases is a popular wealth-building strategy, but the approach varies depending on your financial position and goals. There are several structuring options available, each with different benefits and considerations. Our experts can assess your equity position and explain your options during a complimentary consultation.

How much can I borrow for a home loan?

Your borrowing capacity depends on various personal and financial factors. While general guidelines exist, your actual borrowing power is unique to your situation, income, and financial goals. The best way to understand your true borrowing capacity is through a personalised assessment. Contact us for a free consultation where we'll provide you with an accurate borrowing estimate tailored to your circumstances.

Can I refinance my existing home loan or investment loan to get a better rate?

Refinancing can offer significant benefits, but whether it's right for you depends on your current loan terms, financial situation, and future goals. Market conditions and available products change regularly, so it's worth having your loans reviewed. Contact us for a free loan review to see if refinancing could improve your financial position.

What deposit do I need for an investment property loan?

Deposit requirements for investment properties vary between lenders and depend on your overall financial profile. While there are general guidelines, your specific situation may open up different options or require alternative approaches. Let us assess your circumstances in a free consultation to determine the most suitable deposit strategy for your investment plans.

What documents do I need to apply for a home or investment loan?

Documentation requirements vary depending on your employment type, loan amount, and chosen lender. Rather than providing a generic list, we prefer to give you a personalized checklist based on your specific situation and loan type. During your free consultation, we'll outline exactly what documents you'll need and help streamline your application process.

What types of home loans does AXTON Finance offer?

We offer a comprehensive range of home loan solutions including owner-occupier loans, first home buyer packages, refinancing options, and specialised lending products. Every situation is unique, which is why we work with multiple lenders to find the right fit for your circumstances. Book a free consultation with our experienced brokers to discover which loan options best suit your needs and financial goals.

How long does the loan approval process take?

Processing timeframes can vary based on your situation, chosen lender, and current market conditions. While we work to expedite every application, each scenario is different. The best approach is to discuss your specific timeline needs during a consultation, where we can provide realistic expectations and work to meet your settlement requirements.

What is an investment property loan and how does it differ from a home loan?

Investment property loans are specialised financing solutions designed for rental properties. They have different requirements, benefits, and tax implications compared to standard home loans. The specifics can vary significantly based on your investment strategy and financial situation. Schedule a free consultation with our investment property specialists to understand how these loans work and whether they align with your investment goals.

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97% Loan Approval Rate

526 Reviews

21 Years of Experience