Buy or refinance your premises
Commercial property finance through Lyft Financial.
Owner-occupied, investment and SMSF commercial lending compared across bank and non-bank lenders.
What is a commercial property loan?
A commercial property loan is finance secured by a commercial, industrial or retail property, used to buy premises for your business, invest, or refinance an existing loan. Terms run to 25–30 years with lower rates than unsecured lending.
Commercial property lending is arranged through Lyft Financial, the property arm of Lyft Capital. Lenders look at the property, the tenant or your business’s ability to service the loan, and the loan-to-value ratio, which is typically capped at 65–80%.
Commercial property loan at a glance
| Amount | $250,000 – $20,000,000 |
|---|---|
| Term | 12–360 months |
| Rate type | Fixed or variable |
| Indicative rates (Q3 2026) | 6.2% – 9.9% p.a. · see rate history |
| Security | Secured by property |
| Repayments | Monthly |
| Typical speed | 2–6 weeks |
| Best for | Businesses buying premises or investors in commercial property |
| Consider something else if | Short-term working capital |
| Tax | Interest on investment or business-use property borrowing is generally deductible. |
Advantages
- Long terms and low rates
- Owner-occupier and investment structures
Trade-offs
- Larger deposits than residential
- Longer approval timelines
How to apply for a commercial property loan
- 01
Property and purpose
Owner-occupied, investment or SMSF; purchase or refinance.
- 02
Servicing assessment
Financials, leases or rental income depending on doc type.
- 03
Valuation and settlement
Lender valuation, approval and settlement with your solicitor.
Documents lenders commonly ask for
- Financials and tax returns
- Contract of sale or current loan statements
- Lease agreements if tenanted
Estimate your repayments
- Number of repayments
- 48
- Total interest (est.)
- $11,541
- Total repaid (est.)
- $86,541
This calculator provides an estimate only and does not account for fees, charges or the specific terms a lender may offer. It is not financial advice or an offer of finance.
Key terms
What is a commercial property loan?
A commercial property loan is a mortgage over non-residential property such as offices, warehouses, retail or industrial units. It can be full-doc, low-doc or lease-doc depending on how servicing is assessed.
Commercial property loan FAQs
Is Lyft Money a lender or a broker?
We are a finance broker. We compare suitable options from our lender panel and help you through the process. We explain any broker fee and how we are paid before you proceed. The lender assesses and decides the application.
How much deposit do I need for a commercial property purchase?
Commercial lending is usually written to a lower loan-to-value ratio than residential, so expect to contribute more. Owner-occupied purchases commonly sit around 65% to 80% LVR depending on the property type and the strength of the business, meaning a deposit of roughly 20% to 35% plus costs. Specialised premises attract tighter LVRs than standard offices, warehouses or retail. Using equity in an existing property can reduce or replace the cash deposit.
How long does a commercial property settlement usually take?
Plan for six to twelve weeks from application to settlement in most cases. The steps that take time are the full financial assessment, a formal valuation of the property, legal documentation and any conditions the lender imposes before funding. Purchases with tight contract dates need the finance clause negotiated realistically at the outset. Refinances of an existing loan can be quicker where the property and the borrower are straightforward.