Gold Coast, QLD
Commercial property loan in Gold Coast
Gold Coast commercial property covers retail and hospitality tenancies along the coastal strip, offices around Southport, Robina and Varsity Lakes, and industrial units at Yatala and Molendinar. Hospitality premises are valued carefully by lenders because tenancy turnover is high and fit-outs are specific to the operator. Expect a 20–30% deposit, and allow time for a valuation that will look closely at the strength of any lease in place.
Business finance in Gold Coast
The Gold Coast economy runs on tourism, hospitality and construction. Hotels, restaurants and attractions drive a highly seasonal services sector, while sustained population growth and high-rise residential development keep builders, trades and civil contractors busy. Health, education and a growing professional services base around Southport, Robina and Varsity Lakes have broadened the economy well beyond its traditional tourism dependence, though the seasonal shape of trade still runs through most local businesses.
How we work with Gold Coast businesses
Lyft Money works with Gold Coast 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 Gold Coast clients deal with the same broker throughout rather than a call centre — including for equipment bought from interstate suppliers.
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 Gold Coast: 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 Gold Coast industries | Cafés and hospitality · Construction · Retail · Beauty and salons · Tradies |
| Commonly financed here | Commercial kitchen · Coffee machine · Shop fit-out · Ute · Excavator |
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.