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

Interest Rates Are Falling. Mortgage Brokers Are Rising. And Borrowers Are Winning.

Image
  💥 Interest Rates Are Falling. Mortgage Brokers Are Rising. And Borrowers Are Winning. 💥 🏡 More Aussies Than Ever Are Choosing Smarter Lending Solutions. Are You? Written by The Aussie Lending Lounge – Powered by Loans AU Published: 4 June 2025 2025 has kicked off with powerful shifts in both interest rates and borrower behaviour. With two Reserve Bank of Australia (RBA) cash rate cuts already this year and mortgage brokers hitting an all-time high in market share, the signs are clear: 👉 Now is the time to act. At Loans AU , we’re seeing it firsthand – increased enquiries, stronger competition between lenders, and more Aussies turning to brokers for smarter, personalised advice. Let’s break down the trends you need to know right now. 🔻 Interest Rates: What’s Happening Now? The RBA has already implemented two 25 basis point (bp) cuts this year – one in February and another in May – lowering the cost of borrowing and offering a glimmer of relief to homeowners and propert...
Read more

Top 15 Occupations Eligible for LMI Waiver in 2025

Image
  ✅ Top 15 Occupations Eligible for LMI Waiver in 2025 Here are the most commonly approved professions for LMI waivers, based on current lender policy: 1. Doctors & Medical Practitioners General Practitioners Surgeons Anaesthetists Specialists 💡 Up to 90–95% LVR accepted with no LMI 2. Dentists & Oral Surgeons 3. Veterinarians 4. Pharmacists 5. Physiotherapists & Allied Health Professionals 6. Accountants & Auditors Must be CA, CPA, or IPA members 7. Lawyers & Solicitors Admitted to practice in Australia 8. Barristers 9. Engineers Must be registered or members of Engineers Australia or equivalent bodies 10. Architects Must be AIA registered 11. Actuaries 12. Chiropractors & Osteopaths 13. Optometrists 14. Psychologists & Psychiatrists 15. Mining & Energy Sector Professionals Some lenders include geologists, project managers, and engineers in this category 📝 Note: Eligibility criteria vary by lender and profession...
Read more

Maximise Your LVR. Minimise Your Interest. Grow Your Wealth - Commercial Property Finance

Image
  🏢 Smart Lending for Smarter Properties 💼 Maximise Your LVR. Minimise Your Interest. Grow Your Wealth. 📢 Want to purchase or refinance a commercial property in Australia? Here’s how savvy investors structure their loans to unlock maximum LVR and switch to lower rates — all while keeping cash flow strong and future options open. 💡 The Strategy: Max Out LVR First — Then Refinance to Lower Rates Later Many property buyers start with non-bank lenders . Why? Because they allow up to 80% LVR with flexible interest-only terms — often over 30 years with the first 5 years as interest only . But these come with higher interest rates . 🏦 If you want lower rates , major banks are the long-term solution. They typically offer: ✅ Lower interest rates ✅ Stronger servicing options ✅ Better long-term security However, they often limit LVR to 60–70% — unless you qualify for a hybrid structure. 🔍 The 10% Amortisation Model with Major Lenders : 🔹 10% of the total loan is rep...
Read more