Adelaide, SA
Commercial property loan in Adelaide
Adelaide commercial and industrial property is the most affordable of the mainland capitals, which puts owner-occupation within reach of businesses that would only ever lease in Sydney. Industrial stock around Wingfield, Regency Park, Edinburgh and the Osborne defence precinct is the common purchase. Expect a 20–30% deposit. Purpose-built food processing or defence-related facilities can value conservatively given the narrower pool of alternative tenants.
Business finance in Adelaide
Adelaide’s economy blends advanced manufacturing and defence — shipbuilding at Osborne and a growing space and technology sector — with food, wine and agriculture from the surrounding regions, health and education, and a construction industry supported by state infrastructure work. Business costs, and commercial rents in particular, are lower than in the eastern capitals, which has helped local manufacturing and food processing stay competitive and made owning premises a realistic option for mid-sized operators.
How we work with Adelaide businesses
Lyft Money works with Adelaide businesses by phone and video, with documents handled online and settlements arranged Australia-wide. Anthony, Stefan and Kris are based at Level 14, 3 Parramatta Square in Sydney, and South Australian clients work with the same broker from first call through to settlement, whether the equipment comes from a local dealer or interstate.
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 loan in Adelaide: the numbers
| Typical amounts | $250,000 – $20,000,000 |
|---|---|
| Term | 12–360 months |
| Indicative rates | 6.2% – 9.9% p.a. · rate history |
| Speed | 2–6 weeks |
| Key Adelaide industries | Manufacturing · Agriculture · Construction · Transport and logistics · Medical practices |
| Commonly financed here | CNC machine · Tractor · Forklift · Ute · Packaging machinery |
Rates shown are indicative ranges observed across our lender panel for the period stated. They are not an offer or quote. Your rate depends on your business, the lender, the amount, the term and the security offered. The lender makes the final credit decision.
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 questions
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.