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

 



🏢 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 repaid as principal + interest over 5 years

  • 🔹 90% remains as interest-only during that period

  • 🔹 After 5 years, the remaining 70% may be rolled into a new interest-only loan — at lower rates

  • 📝 Must pass tough credit checks with strong income and documentation

🔧 Switching from Non-Bank to Bank? Time for a Revaluation Strategy

To refinance from a non-bank lender to a major bank, you need to boost your property’s valuation.

📈 Tips:

  • 🔨 Engage professionals for targeted renovations

  • 📐 Know your price per square metre

  • 📊 Use quantity surveyors & valuers to guide improvements

The goal is to increase equity, reduce LVR, and qualify for better terms.

🧮 Example: Borrowing $1M with 10% Amortisation

  • $100K = Principal & Interest over 5 years

  • $900K = Interest Only for the full term

  • After 5 years: Refinance remaining 70% if eligible ✅

🚀 Ready to Build a Smarter Commercial Loan Strategy?

We’ll help you:
✔️ Maximise borrowing power
✔️ Structure your loan for cash flow
✔️ Refinance when timing’s right
✔️ Upgrade your property value strategically

📲 Let’s get started now!
🔗 Apply Today
💬 Chat on WhatsApp
📞 Call us: 0413 360 888

📌 Written by The Aussie Lending Lounge by Loans AU

🏷️ #CommercialLoans #PropertyFinance #InvestSmart #LoansAU #RefinanceStrategy #BusinessLending #LVR #PropertyInvestment #CashflowTips #AustraliaRealEstate #MortgageBroker

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