Commercial loans
Commercial property loans for owners and investors.
Buying, building or refinancing offices, factories, warehouses and specialised property, with bank and private lenders compared.
Commercial loans in short
A commercial property loan funds the purchase, construction or refinance of business or investment property such as offices, factories and warehouses. MKS Lending compares bank and private lenders, matches the income verification to your situation and negotiates terms.
How commercial loans work
Purpose and security drive the deal.
Commercial property loans are used for business or investment purposes. What you plan to do, whether that is buying an established property, building, or refinancing, affects how the lender assesses the loan, because each purpose carries a different risk rating.
The property type matters too. Offices, factories and warehouses are standard commercial securities. Lenders will also fund land subdivisions and more specialised securities, usually with a detailed valuation and risk assessment.
Lenders typically require a mortgage over the property, a general security deed and directors' guarantees.
Typical features
What to expect.
| Term | Up to 15 years, longer on application, or up to 30 years with residential security |
| Interest only | Up to 5 years, longer on application |
| Line of credit | Available, usually at a higher rate |
| Capitalised interest | Available for development and subdivision finance |
| Income verification | Full doc, lease doc, low doc or accountant-prepared forecasts |
Securities we finance
From warehouses to specialised assets.
Offices and retail
Strata and freehold offices, shopfronts and mixed use.
Industrial
Factories, warehouses and showrooms.
Land and subdivision
Vacant land, englobo sites and subdivisions.
Specialised
Childcare, medical, hospitality and other specialised securities.
Business lending, handled by people who speak your language
Our team has arranged business, commercial and development finance since 1985, often working directly with your accountant and solicitor so the loan supports the bigger plan.
Client reviews
What our clients say.
Teo understands finance and made the loan process stress-free.
Teo did all the hard work with the bank and we concentrated on our business.
Free loan review
Talk about your commercial loan
Tell us a little about your plans. A broker will call you, usually within one business day, to talk through your options. No cost and no obligation.
We listen first
A short chat about your goals, income and timing.
We compare 50+ lenders
30+ banks and 20+ private lenders, not just one bank's products.
You decide
We explain the options in plain English. There is no pressure to proceed.
Questions
Frequently asked questions
How much deposit do I need for a commercial property?
Commonly 20 to 35% of the purchase price, depending on the property type, lender and your financial position. Additional property security can reduce the cash you need.
What is a lease doc loan?
A lease doc loan is assessed mainly on the rental income from the property's lease, rather than your full business financials. It suits well-leased investment properties.
Can I buy commercial property through my SMSF?
Yes, under a limited recourse borrowing arrangement, subject to superannuation law and lender criteria. See SMSF loans.
Do you work with private lenders for commercial deals?
Yes. When timing, property type or circumstances do not suit a bank, private lenders can be a practical short-term solution with a clear exit strategy.
Ready for a better home loan?
Book a free, no-obligation loan review. We compare the market and show you exactly what is possible.