Commercial property finance, structured properly
Buy or refinance warehouses, workshops, offices, retail and industrial property, owner-occupied or investment, including through a self-managed super fund.
Commercial property loans with Dosh
Owner-occupied
Buy the premises your business operates from.
Investment property
Commercial property with tenants in place.
Refinance
Better rates, release equity or consolidate.
SMSF lending
Commercial property through your super fund, with specialist lenders.
Bank and non-bank
Major banks, mid-tiers and private lenders.
Low doc options
For self-employed borrowers whose financials aren’t finalised.
Matched by AI, structured by a specialist
Commercial property loans are assessed on the property (type, location, lease) and the borrower (income, servicing, experience). Loan-to-value ratios are usually lower than residential loans, and terms vary widely between lenders.
We work through the structure with you and your accountant, including entity, term, interest-only periods and security, then take it to the lenders most likely to approve it.
Every deal is AI-matched across our panel of 30+ lenders (Big 4, mid-tier and private) for the best fit and quickest turnaround. Larger or more complex deals are handled personally by one of our finance professionals. After settlement you get access to our client portal to track your loans, upcoming payments and documents.
Commercial property loans: common questions
How much deposit do I need?
Usually 20–40% depending on the property type, the lender and whether it’s owner-occupied.
Can my SMSF buy commercial property?
Yes, with a limited recourse borrowing arrangement and lenders that offer SMSF loans. Get advice from your accountant or financial adviser.
Can I get interest-only repayments?
Many lenders offer interest-only periods on commercial property.
Does the assessment affect my credit score?
No credit check is needed for our initial assessment.
Other finance we arrange
*24-hour turnaround applies to eligible applicants for loans under $500,000. Approval and timing depend on the lender’s credit assessment. General information only; it doesn’t take your objectives, financial situation or needs into account. Speak to your accountant about tax.
Find out what you can borrow
Free assessment, no credit check. We’ll come back to you within one business day.