Western Sydney, NSW
Commercial property loan in Western Sydney
Industrial land in Western Sydney has been among the tightest markets in Australia, and rents have risen accordingly, which is exactly why so many operators here want to own their warehouse or workshop rather than keep renewing a lease. Owner-occupied facilities are assessed on the trading business. Expect a 20–30% deposit and allow time for a commercial valuation. Purchasing in an established estate generally values more predictably than land in a new release area.
Business finance in Western Sydney
Western Sydney is the industrial and logistics engine of New South Wales, running from Parramatta out through Blacktown, Penrith, Liverpool and the growth corridors around the new Western Sydney Airport. Its economy is dominated by construction, transport and warehousing, light manufacturing, health and a rapidly expanding population that supports retail, childcare and services. Most of Sydney’s new industrial floorspace is built here.
How we work with Western Sydney businesses
Western Sydney is our home market. Our office is at Level 14, 3 Parramatta Square, and Anthony, Stefan and Kris regularly visit clients across the region — at a yard in Wetherill Park, a workshop in Smithfield or a site in the Aerotropolis. Documents are handled online where that is quicker, and settlements are arranged Australia-wide with dealers and suppliers in any state.
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 Western 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 Western Sydney industries | Construction · Transport and logistics · Manufacturing · Civil contractors · Childcare centres |
| Commonly financed here | Excavator · Prime mover · Ute · Forklift · Semi-trailer |
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.