Perth, WA
Commercial property loan in Perth
Perth industrial property around Kewdale, Welshpool, Canning Vale and the Fremantle port corridor supports the fabrication, logistics and services businesses that make up much of the local economy, and it remains more affordable than the eastern capitals. Buying removes rent exposure through a commodity upswing. Expect a 20–30% deposit, and note that valuations on specialised fabrication facilities can be conservative given the narrower tenant market.
Business finance in Perth
Perth is the service capital for Western Australia’s resources sector, with a large mining services, engineering and fabrication base supporting iron ore, gold and lithium operations across the state. Construction, transport and logistics through the Fremantle port, and a broad professional and engineering services sector round out the economy. Activity here tracks commodity cycles more directly than in any other Australian capital, so both trading conditions and lender appetite can shift within a couple of quarters.
How we work with Perth businesses
Lyft Money works with Perth businesses by phone and video, with documents handled online and settlements arranged Australia-wide. Anthony, Stefan and Kris operate from Level 14, 3 Parramatta Square in Sydney and are contactable across the time difference — a Western Australian client gets the same broker from first call to settlement, whatever state the asset is bought in.
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 Perth: 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 Perth industries | Mining services · Manufacturing · Transport and logistics · Construction · Civil contractors |
| Commonly financed here | Ute · Wheel loader · Prime mover · Generator · CNC machine |
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.