Sydney, NSW
Commercial property loan in Sydney
Commercial property in Sydney is expensive enough that buying premises is a major strategic step rather than an incremental one, but it removes the biggest cost risk most businesses face here — a lease renewal at a materially higher rent. Industrial stock in the south-west and west remains the most common owner-occupier purchase. Expect a 20–30% deposit, and factor in stamp duty and the time a commercial valuation takes.
Business finance in Sydney
Sydney is Australia’s largest business economy, dominated by financial and professional services in the CBD, technology and media through the inner suburbs, and a vast base of construction, logistics and light manufacturing spread across the west and south-west. Commercial rents and wage costs are the highest in the country, so businesses here carry more fixed overhead and feel payment delays faster than operators in smaller markets.
How we work with Sydney businesses
Lyft Money is a Sydney business. Our office is at Level 14, 3 Parramatta Square, and Anthony, Stefan and Kris regularly meet clients on site across the metropolitan area — at a yard, a workshop or a clinic rather than in a branch. Documents are handled online and settlements are arranged Australia-wide, so a Sydney client and a supplier in another state is routine.
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 Sydney: 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 Sydney industries | Construction · Professional services · Transport and logistics · Retail · IT and technology |
| Commonly financed here | Ute · Van · Excavator · Business car · IT hardware |
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.