How to Qualify for a Commercial Property Loan in Australia
ALIC Media Centre
August 13, 2026
Securing finance for a commercial property purchase is a more involved process than applying for a standard home loan.
- Commercial Mortgages for Investors and Developers
Commercial Loans
Elevate your portfolio and build your wealth with strategic commercial property investments.
I want to buy a commercial property.
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Learn how you can borrow through your SMSF or refinance an existing loan.
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Whether you’re a seasoned property investor or a business leader expanding your organisation’s investment portfolio, acquiring commercial property can seem overwhelming.
Our experienced lending strategists can guide you through your investing journey.
Each engagement starts with an analysis of your current position and your long-term goals.
From there, we’ll help you lock in a loan that delivers higher returns and gets you closer to your objectives.
Schedule a free consultation to find out how we can take you from pre-approval to post-settlement.
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Dive Into Commercial Development
Making your commercial project a reality isn’t always difficult.
But you do need a strategic partner that understands the complexities of development loans and how they can benefit you.
We’re experts at finding flexible financing options that will boost your return on investment and set you up for financial success.
Discover how our lending strategists can help you realise your next development.
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Our journey with ALIC started 5 to 6 years ago when we purchased land and subsequently built our first home. Since then, we have continued our association with them, and it has proven to be a decision we do not regret. Their team not only provided financial guidance but also helped us build our wealth through a well-thought-out investment portfolio.
Trusting someone with your finances is a crucial decision, and ALIC has consistently demonstrated reliability. Their approach goes beyond transactional relationships; it's about building a lasting partnership.
Trusting someone with your finances is a crucial decision, and ALIC has consistently demonstrated reliability. Their approach goes beyond transactional relationships; it's about building a lasting partnership.
Sascha Hossain
February 2024
There are lenders, banks and brokers, and then there is ALIC. Kevin Agent and his team are amazing in finding solutions for your business or personal needs. They helped me establish my business, sorted out my home loan and savings and helped me buy my new home without any stress or worry and financially my family has never been better.
Look no further than the Australian Lending & Investments Centre. No one better and highly recommended.
Look no further than the Australian Lending & Investments Centre. No one better and highly recommended.
James Tamanika
January 2024
Natasha has been an exceptional mortgage broker for us for the last decade. We have come to rely on her expertise implicitly and trust her completely. She has impressive efficiency. She always gives personalised guidance that suits our circumstances (which are complex), and she is honest when she thinks something is not a good idea. Lastly, she is so friendly and such a great communicator that every interaction is easy and enjoyable.
We've recommended Tash to all of our friends who have sought mortgages and they would all write something similar. Highly recommend.
We've recommended Tash to all of our friends who have sought mortgages and they would all write something similar. Highly recommend.
Rebecca Foskey
January 2024
- SMSF Commercial Property Loans
Make Your Super Work for You
Depending on your SMSF’s trust deed, you may be able to use your super to invest in property.
And, while commercial property can be a good standalone investment, it’s especially ideal for small business owners.
The sole-purpose test means you can’t live in property acquired through your SMSF – but you can rent a commercial property to your business at market rates, which means your business’s rent goes directly into your super.
Think that could be a good pathway for your business?
Ask us about establishing an LRBA and finding a best-fit commercial loan.
And, if you’re paying off an existing high-interest SMSF loan from one of the Big Four, we’ll help you refinance with a lower-rate lender.
Schedule a free consultation to talk to one of our experienced commercial brokers.
- The ALIC Advantage
More Than Just a Commercial Loan
Surround Yourself With Experts
To invest successfully, you need the right people around you.
Our lending strategists can connect you with essential professionals like buyer’s advocates – and, with no financial relationships involved, you know you’re getting an honest referral.
Our lending strategists can connect you with essential professionals like buyer’s advocates – and, with no financial relationships involved, you know you’re getting an honest referral.
Develop a Strategy
Taking out a commercial property loan isn’t just about the property you buy today.
It’s a step towards your long-term financial objectives, which is why the right lending structure and a proper borrowing strategy are so important.
It’s a step towards your long-term financial objectives, which is why the right lending structure and a proper borrowing strategy are so important.
Broaden Your Portfolio
Strategically expand your investments with commercial property.
Diversification among asset classes and property types helps lower your risk and protect your wealth.
Diversification among asset classes and property types helps lower your risk and protect your wealth.
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Learn From Leading Australian Brokers
With articles written by award-winning brokers like Mark Davis, ALIC’s Insights Hub is one of the best places to learn about building wealth through property.
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- FAQs
Questions About Commercial Loans
What is a commercial property loan?
Commercial property loans involve buying or refinancing an already-existing retail, industrial or multi-residential property. They can also be used to finance the subdivision, development and construction of these properties.
What deposit do I need for a commercial property loan?
The amount you’ll need for a commercial loan can vary depending on your lender and the type of property. Generally speaking, you can expect at least a 30% deposit, although you may be able to borrow between 5% and 90% of the commercial property value, depending on your personal and business circumstances.
How can I qualify for a commercial property loan?
Commercial property loans have different qualification criteria depending on their purposes and lenders. Development loans from traditional banks, for example, may come with pre-sale requirements. Generally, though, you’ll need to provide a deposit, at least two years of tax returns, and proof of your ability to service the loan.
If you’re taking out a construction or development loan, you may need to show evidence of your project’s viability and your company’s overall financial health.
Your broker will work with you to make sure you have the right documentation. They’ll know exactly what each lender requires, which will help you build a strong case for loan approval.
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