Commercial Mortgages
Longer-term finance for purchasing or refinancing eligible owner-occupied or investment commercial property.
Key Features
- Up to 75% LTV
- Fixed or variable rates
- Interest-only options
- Repayment holidays available
Use Cases
- Purchase business premises
- Refinance existing property
- Buy-to-let commercial
- Property investment
Eligibility Criteria
Documents commonly requested
- Recent business bank statements
- Latest filed accounts and current management information
- Identification and business ownership information
- Evidence supporting the funding purpose
- Property, asset, invoice or contract information where relevant
The exact list depends on the facility and lender. Documents are requested only when relevant to the application.
Important considerations
- Compare the total cost, not only the headline rate
- Understand arrangement, valuation, legal and exit fees where applicable
- Check how repayments affect business cashflow
- Review security, debenture and personal-guarantee requirements
- Consider early repayment and default provisions before signing
Estimate potential costs
Use the commercial mortgage calculator freely before deciding whether to make an enquiry. Results are indicative and are not an offer of finance.
How it works
- Tell us about your funding need
- We compare the whole-of-market lender network
- Receive competitive offers tailored to you
- We manage the application to completion
Why use FinanceMyCompany?
- Whole-of-market lender access
- Transparent, fee-clear advice
- Dedicated finance specialist
- Fast, straightforward process
Commercial Mortgages — Frequently Asked Questions
What is the maximum LTV available?
Up to 75% LTV for standard commercial properties. Higher LTVs may be possible with additional security.
Can I get an interest-only period?
Yes, interest-only periods are available, particularly useful for property investors.
How long does completion take?
Typically 4–8 weeks from application to completion, depending on valuation and legal work.
Ready to explore commercial mortgages?
Speak to a specialist and get tailored options from our whole-of-market lender network.
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