Commercial Property Finance Made Easy — Partner with Loans AU Today

 


Published by: The Aussie Lending Lounge by Loans AU

Looking to secure a 🏢 commercial property in Australia?

Whether you're investing in a retail space, warehouse, office, or mixed-use asset, commercial lending can feel complex — but it doesn’t have to be.

At Loans AU, we make the process easy, strategic, and results-focused 💼✨

Here’s how we help you from day one to settlement — and beyond.

📊 What Loan-to-Value Ratios (LVR) Can You Expect?

✅ Major Banks: Up to 65–70%
✅ Non-Bank Lenders: Up to 75%
✅ Private Lenders: Up to 80% (higher flexibility, higher cost)

💡 Tip: If your valuation falls short, having extra funds available can be a deal-saver.

🏢 Ownership Structures That Lenders Accept

You can purchase under:

  • 👤 Your personal name

  • 🏢 A company

  • 🤝 A unit trust

  • 👨‍👩‍👧‍👦 A discretionary (family) trust

Each structure affects:

  • 💰 Capital Gains Tax (CGT)

  • 🏠 Land tax thresholds

  • 💼 GST obligations

📌 Trust setup? Allow 5–10 business days. Talk to your accountant early.

🧮 How Do Lenders Assess Your Serviceability?

Lenders want to know: Can you afford the loan? Here's what they evaluate:

  • 📈 Business income and net profit (plus depreciation addbacks)

  • 💸 Existing loans and debts

  • 🧾 Living expenses (for individuals)

  • 📃 Proposed or current lease income

  • 📊 Financial strength of your entities

🧠 Important: Give your broker a clear breakdown of your business or trust structure — including directors, beneficiaries, and ownership. The more accurate your information, the better we can position your application.

👥 Build the Right Finance Team

  • 👨‍💼 Accountant: Provides clean, updated financials

  • ⚖️ Solicitor: Handles contract reviews, lease clauses, and negotiations

  • 🧑‍💼 Broker (Loans AU): Structures and presents your application to 100+ lenders

✅ Also have ready:

  • Loan contracts

  • Loan statements

  • Bank records

  • Lease proposals

⏳ These docs save time and reduce approval delays!

🧾 Loan Types Available at Loans AU

1️⃣ Full-Doc Loans – Tax returns & financials required
2️⃣ Alt-Doc Loans – Use BAS, accountant letters, or bank statements
3️⃣ Low-Doc Loans – Minimal paperwork, ideal for fast settlements

💰 May 2025 Interest Rates & Loan Terms

  • Full-Doc: from 6.69% p.a.

  • Alt-Doc: 7.99%–9.99% p.a.

  • Private Lending: 10.5%–14% p.a.

📆 Loan Terms: 1–25 years (some lenders offer up to 30 years)
💳 Interest-Only: Up to 5 years available

⏱️ Application Timeline

  • 🏗️ Entity setup: 5–10 business days

  • ✅ Approval: 10–15 business days (banks), 3–7 days (non-banks)

  • 🏁 Valuation + settlement: 1–2 additional weeks

📦 Most deals settle within 4–6 weeks. We can go faster with full docs on hand!

🔐 Director’s Guarantee Required?

If you’re buying through a company or trust, most lenders will request a director’s or personal guarantee. Be prepared ✅

📋 What Documents Do You Need?

  • ✅ 2 years of business financials

  • ✅ Personal and business tax returns

  • ✅ BAS statements

  • ✅ Trust deed or company constitution

  • ✅ Proposed or existing lease

  • ✅ Bank statements

  • ✅ Loan contracts + statements

  • ✅ Statement of position

  • ✅ ID documents

💡 A clean credit history + complete documents = faster approval 🚀

🛠️ Post-Settlement: Maximise Your Property Value

Once settled, it's time to increase your asset’s value 🔧

Work with commercial property experts to:

  • Boost 💸 rental income

  • Improve 📐 layout efficiency

  • Strengthen 📈 valuation per sqm

  • Prepare for future 💵 refinance or equity release

🔁 This is a key step in maximising return — especially for resale or future loan top-ups.

🤝 Why Choose Loans AU?

At Loans AU, we do more than find you a lender:

  • ✅ Structure your deal the right way

  • ✅ Coordinate with your accountant and solicitor

  • ✅ Pre-empt valuation or funding shortfalls

  • ✅ Push deals through with urgency when needed

  • ✅ Support you through refinance or equity release later on

📲 We’re available 24/7 via WhatsApp or KakaoTalk to help — every step of the way.

🚀 Ready to Get Started?

Let’s make it happen:

🔗 Get Started: www.loansau.com/getstarted
💬 WhatsApp Us: https://wa.me/61413360888
🌐 Visit Website: www.loansau.com

📌 Hashtags

#LoansAU | #CommercialPropertyFinance | #BusinessLoansAustralia
#TrustStructure | #EquityRelease | #MortgageBrokerAustralia
#CommercialBroker | #PropertyFinanceExperts | #RefinanceSupport
#InvestmentReady | #CreditAssessment | #CommercialLoanExperts

Loans AU — Commercial Property Finance Made Easy. Results That Matter.

Comments

Post a Comment

Popular posts from this blog

RBA Cuts Rate to 3.85% – What This Means for Your Mortgage and Where to Invest in 2025

Image
  🔻 RBA Cuts Rate to 3.85% – What This Means for Your Mortgage and Where to Invest in 2025 Published by The Aussie Lending Lounge at Loans AU 🗓️ 20 May 2025 | 📍 Sydney, Australia The Reserve Bank of Australia (RBA) has officially cut the cash rate to 3.85% , marking a significant shift in the lending landscape and economic outlook for 2025. For current mortgage holders, first home buyers, and commercial property investors, this move unlocks new financial opportunities — including better rates, improved borrowing power, and clearer signals on where to invest next. Let’s break it down. 🏠 Homeowners & Refinancers – This Is Your Window If you’re paying above 6% interest , you’re likely overpaying in 2025’s softer rate environment. Here’s what this rate cut means for you: 🔻 Variable rates are already trending lower across multiple banks 💰 Refinancing now could save thousands — even before fixed rate cliffs hit 📊 Lender serviceability buffers may ease slightly, impr...
Read more

May 2025 Home Loan Market Update

Image
  🏡 May 2025 Home Loan Market Update Brought to you by The Aussie Lending Lounge by Loans AU With interest rates shifting and the property market evolving, staying informed is more important than ever. Here's a quick update on current home loan rates, economic trends, and what it means for buyers and investors this month. 📉 RBA Cuts Cash Rate to 3.85% The Reserve Bank of Australia (RBA) reduced the official cash rate to 3.85% in May 2025 to support economic growth and ease cost-of-living pressures. This move opens new opportunities for borrowers looking to refinance, buy their first home, or invest in property. 🏦 Home Loan Rate Comparison (Big 4 Banks) Bank Variable Rate 1-Year Fixed 3-Year Fixed 5-Year Fixed Westpac 5.94% 5.99% 6.19% 6.39% Commonwealth Bank 5.59% 5.99% 6.19% 6.39% NAB 5.39% 5.84% 6.04% 6.24% ANZ 5.59% 5.99% 6.19% 6.39% 📈 ...
Read more

How Much Can You Borrow in Australia with a $70k, $100k, or $150k Income?

Image
  🏠 How Much Can You Borrow in Australia with a $70k, $100k, or $150k Income? If you’re planning to buy a home in Australia, one of your first questions is likely: “How much can I borrow?” Whether you're earning $70,000, $100,000, $150,000—or even more—understanding your borrowing capacity is key to setting your property goals. In this article, we break down borrowing power by income bracket and explain how Loans AU can help you navigate the process smoothly. 📊 Income vs Borrowing Capacity: Key Examples When lenders assess how much you can borrow , they consider your income, expenses, liabilities, credit score, and the type of loan you’re applying for. Let’s look at estimated borrowing capacities for different income levels (based on a single applicant with average living expenses, minimal debts, and a 30-year loan term at approx. 6% p.a. variable rate): 1️⃣ $70,000 Income: Estimated borrowing capacity: around $350,000 to $420,000 Suitable for entry-level...
Read more