Commercial Finance Perth

Quick Answer

How Commercial Finance Is Assessed

Commercial finance is assessed on borrower strength, trading history, property or asset quality, lease income, security position, loan purpose and lender appetite. Perth commercial borrowers should expect more documentation, lower typical LVRs and longer approval timelines than standard residential lending.

Reviewed by Callum Duffy, Finance Broker and MFAA member. Last reviewed: 20 June 2026. Timeframes and terms depend on lender policy, valuation, legal review and the borrower structure.

Commercial LVR

Typical Commercial Property LVR by Asset Type

Commercial LVRs are usually lower than residential lending and depend heavily on property type, lease quality, location and borrower strength.

Property or borrower type	Typical LVR range	What lenders usually review	Notes
Standard commercial property	About 60-70%	Location, valuation, lease terms, tenant quality and borrower financials.	Some specialist lenders may consider higher LVRs depending on the full scenario.
Specialised or higher-risk property	Often below 60-70%	Alternative-use risk, industry exposure, valuation confidence and exit strategy.	Examples can include niche-use sites, short leases or assets with limited resale market.
SMSF commercial property	Often around 60-70%, lender dependent	SMSF structure, limited recourse borrowing arrangement, lease, fund liquidity and compliance documents.	Commercial SMSF lending needs specialist legal, tax and financial advice outside credit assistance.

Indicative ranges only. Commercial finance terms vary by lender appetite, borrower profile, valuation and legal review.

Commercial Lending

Specialist Finance Needs Specialist Policy Knowledge.

Commercial property finance differs from residential lending in almost every dimension — LVR limits, documentation, assessment timelines, lender appetite and rate structure. We identify suitable pathways before you submit an application.

Owner-occupied business premises and commercial investment property across a specialist lender panel.

Business borrower, company, trust and self-employed income scenarios assessed against lender policy.

LVR, term, security type, lease position and cash-flow considerations modelled before application.

Document preparation guidance — financials, leases, valuations and supporting schedules — to support a complete submission from the start.

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CF

Complex Deals Need Context

Commercial lending decisions are driven by the asset, borrower profile, cash flow and exit strategy — not just the headline LVR. We help prepare the scenario so the lender can assess the full picture, reducing back-and-forth and improving approval timing.

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Commercial Scenarios

Finance Types We Can Review

Each commercial scenario has different lender appetite, policy and documentation requirements. We assess which pathways are realistic for your situation before recommending a lender.

Owner-Occupied Business Premises

Businesses buying their own commercial premises — offices, warehouses, retail, industrial — to reduce occupancy costs or build long-term asset value. Lenders assess trading history, serviceability and property quality.

Commercial Investment Property

Investment-grade commercial assets where rental income, lease term, tenant quality and asset type all affect lender appetite and the LVR available. We compare lenders suited to the specific asset class.

Development Finance

Specialist review for residential, mixed-use or commercial development scenarios. Feasibility, pre-sales, builder quality and exit strategy are all assessed by lenders before approval. Subject to lender appetite and project scale.

Commercial Refinance

Review existing commercial debt against current market options — rate, term, security structure and any break or restructure costs considered before recommending a switch.

SMSF Commercial Property

Self-managed super funds can borrow to purchase commercial property through a limited recourse borrowing arrangement. Commercial SMSF lending has specific policy requirements and we identify lenders who actively support it.

Complex Borrower Structures

Company, discretionary trust, unit trust and self-employed borrower scenarios. Documentation requirements vary by lender — we match your structure to lenders whose policy fits.

How Commercial Finance Works

What Makes Commercial Lending Different

Commercial property loans in Perth are assessed on a significantly different basis to residential mortgages. Typical LVRs sit between 60–70% of the property’s assessed value, though some specialist lenders will consider higher LVRs depending on property type, borrower strength and lease quality. Rates are generally higher than residential, terms are often shorter, and lenders conduct more detailed due diligence on both the asset and the borrower.

Business financials are central to the assessment — most lenders require 2 years of tax returns, profit and loss statements and balance sheets at a minimum. Self-employed borrowers may need additional documentation. For investment commercial properties, the lease agreement, remaining term and tenant quality also affect the lender’s view of the security.

Commercial applications typically take longer than residential — approval timelines of 4–8 weeks or more are common once valuation, legal due diligence and document review are factored in. Preparing a complete, well-organised application from the start is the most effective way to reduce that timeline. We help structure the submission for the target lender before lodgement.

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The Commercial Finance Process

What happens during a commercial finance application?

Initial briefing — we review the property, borrower structure, financials, proposed security and lending purpose.

Lender identification — we identify lenders whose policy suits the asset type, borrower structure and LVR required.

Document preparation — we outline exactly what is needed for a complete submission and help you organise financials, leases and supporting schedules.

Application and assessment — we manage the submission, respond to lender queries and track the valuation and credit approval process.

Approval and settlement — once approved, we coordinate with solicitors, the lender and relevant parties to manage settlement to completion.

Common Questions

Commercial Finance FAQs

We can assist with commercial property purchase, owner-occupied business premises, development finance, commercial investment properties and SMSF commercial property lending. Each type has different lender requirements, LVR limits and assessment criteria.

Commercial loans typically allow 60–70% LVR depending on the property type, location, tenancy quality and lender. Some specialist lenders will go higher. A broker reviews the property and your borrowing position to identify suitable lender options.

Generally yes. Commercial loans reflect higher risk for lenders and typically carry higher rates, shorter maximum terms and more detailed due diligence requirements than residential mortgages. We compare suitable lender options to find competitive terms for your commercial finance scenario.

Yes. Lenders assess business financials, trading history, property details and borrower serviceability. Documentation requirements vary by lender — some require full financials, others will consider alternative verification. We match your profile to lenders whose policy suits your business structure.

Commercial finance typically takes longer than residential — often 4–8 weeks or more depending on lender, property complexity, valuation, legal due diligence and document preparation. We outline realistic timelines and help you prepare a complete application from the start.

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