Commercial Property Loans

Commercial Property Loans for Businesses & Investments

Pinnacle Brokers assists clients when securing commercial property loans to purchase, refinance or develop business premises and invest in commercial properties. If you are investing and reviewing your borrowing options, we’ll help you understand how commercial lenders assess investment opportunities.

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We make the process stress-free for you

We have access to over 70 Lenders to help you find the right solution

We look after you and act only in your best interest

How Commercial Property Lending Is Assessed

Commercial lenders look at both the property and the borrower before approving finance. Lease arrangements, rental income and the entity’s financial position all influence how a loan is structured.

When assessing commercial property loans, lenders review:

Financial statements and borrowing capacity
The property type and location
Lease agreements and tenant strength
Deposit size and loan-to-value ratio
The borrowing entity and ownership structure

Commonly Financed Commercial Properties

Businesses and investors arrange business property loans to finance a wide range of commercial assets.

These may include:

Office buildings and professional suites
Warehouses or industrial facilities
Retail premises and shopfronts
Medical, hospitality or specialised commercial sites

The property type will influence loan structure, deposit requirements and how lenders assess risk.

How We Help With Commercial Property Loans

Before approaching lenders, we review the proposed purchase and the borrower’s financial position. In some cases, borrowers may also explore refinancing their existing loans to restructure debt or release equity before purchasing a commercial property.

As a commercial lending broker, we assist with:

Reviewing financial documents and loan structure
Discussing the property being purchased or refinanced
Comparing lenders offering commercial lending
Liaising with lenders during the approval process

If you are planning a commercial purchase, we can help you understand how lenders are likely to view the transaction before submitting an application.

    
 
 
       Posted on Google  
   
   Lyndon Phillips 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend!!.
They helped me with a refinance and made the process very easy . Great communication.
Thankyou
  
 
      Posted on Google  
   
   Larni Howarth 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael and his whole team at Pinnacle Brokers were extremely professional, knowledgeable and quick with our home loan process. Michael was more than happy to answer questions and concerns which was extremely important for us being first home buyers. We bought interstate and rurally and although Pinnacle Brokers is located on the GC the team had knowledge and understanding of the regulations etc for our state and area which was great. Both my partner and I highly recommend Pinnacle Brokers and will definitely continue to work with them in the future. Thank you Michael and your team for helping us achieve our goals!!
  
 
      Posted on Google  
   
   Rachel Griffiths 
 
 
 
 Trustindex verifies that the original source of the review is Google. We cannot speak highly enough of Michael and the team at Pinnacle. They are extremely knowledgeable, responsive, and genuinely committed to achieving the best outcome for their clients. Their support during our most recent investment purchase was outstanding, and we would not hesitate to recommend them to anyone seeking mortgage advice and finance solutions.
  
 
      Posted on Google  
   
   William Ritua 
 
 
 
 Trustindex verifies that the original source of the review is Google. Michael, Amanda and the whole team are really great. We were not sure if we can get approval for one investment property yet they were able to help us get us approval for two properties.
  
 
      Posted on Google  
   
   David Recht 
 
 
 
 Trustindex verifies that the original source of the review is Google. Absolutely fantastic experience from start to finish. The whole process was effortless, and the team was incredibly helpful, friendly and responsive throughout. They really kept their finger on the pulse, stayed on top of everything and kept us informed every step of the way.
Most importantly, they worked hard to secure us the best possible rates and made what could have been a stressful process feel incredibly easy. We couldn’t be happier with the service!
  
 
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   Cobe France 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very easy and swift experience
  
 
      Posted on Google  
   
   Vedad Hasanovic 
 
 
 
 Trustindex verifies that the original source of the review is Google. Update 11.09.2026:
Returning customers to Pinnacle Brokers. As expected, Michael and the team went above and beyond to help us with our goal. Not only were we able to achieve what we wanted but they made it happen in a very timely manner. The communication is always fantastic and the service we get is outstanding. We continue to recommend Michael & team to our friends & family.

Original:
Michael has been amazing throughout the whole process.

From the initial meeting to signing the final documents, there was never a moment of uncertainty. Any odd question in between was answered in the most timely manner. The level of professionalism, communication and care has been outstanding and in our opinion cannot be topped. Having spent hours researching local brokers, we're glad to have found someone who truly cares about their clients.

Hopefully this review can help guide others in their own search of an amazing broker.
  
 
      Posted on Google  
   
   Heidi Marlow 
 
 
 
 Trustindex verifies that the original source of the review is Google. Buying a house is stressful enough without having to deal with me 😂 Luckily, Michael was an absolute weapon! Patient, responsive and there for me through everything. Thanks for putting up with my chaos — couldn’t recommend you more! 🏡😂
  
 
      Posted on Google  
   
   Todd Lewis 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bella and Michael have now guided me through both my first and second property purchases, and they made each one as stress-free as possible. They were exceedingly patient and professional throughout, and the quality market insights they provided gave me real confidence in my decisions. Having a broker who genuinely knows the market and takes the time to explain it makes all the difference.
  
 
      Posted on Google  
   
   Jessica Preston 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great service, efficient and lovely to deal with

Lease Strength and Loan Structure

Properties with established tenants and longer lease terms can provide lenders with greater confidence in the income supporting the property. Where a property is vacant or leased on shorter terms, lenders may take a more conservative view when assessing the loan.

Book Appointment

What to Expect: Arranging Commercial Property Loans

At Pinnacle Brokers, we assist commercial borrowers across Australia. As a commercial mortgage broker, we work with major banks and specialist lenders that actively support commercial property lending.

When you speak with our commercial lending brokers, we begin by discussing the property and the borrowing structure involved. From there, we review lender options and outline how each loan structure may align with the proposed purchase so you can move forward with a clear view of your borrowing options.

Book an Appointment to Discuss Commercial Lending

During a consultation, we review the proposed purchase, discuss lending structures and outline lenders currently active in commercial lending.

If you are considering a commercial purchase, we can walk through the lending options and explain how lenders may assess the property before you proceed. Contact Pinnacle Brokers to discuss your commercial property loans.

Book Appointment

Frequently Asked Questions

Find quick answers to common questions using our helpful FAQs.

What deposit is required for commercial property loans?

Deposits for commercial property loans usually range between 20% and 35%, depending on the property type, lease strength and borrower profile. If you are planning a purchase, we can review the property and explain what lenders are likely to require before you approach a bank.

What interest rates apply to commercial property loans?

Interest rates for commercial property loans vary depending on the lender, the borrower’s financial position and the property being financed. We can compare lenders and walk you through how different loan structures may affect the rate offered.

How long are commercial property loan terms?

Many lenders structure commercial property loans with terms of up to 15–30 years, although the exact structure depends on the property and borrower profile. We can help you understand what loan term options lenders are currently offering.

Can a business purchase its own premises with a commercial loan?

Yes, businesses often use business property loans to purchase premises they intend to occupy. Lenders usually assess both the business’ financials and the property before approving finance.

Can commercial property loans be used to refinance existing financing plans?

Yes, refinancing can be used to restructure an existing loan, access equity or move to another lender. If you are reviewing your current loan, we can help compare refinancing options and explain how lenders may assess the property.

Do I need a broker to arrange commercial property finance?

Commercial lending policies vary widely between banks and specialist lenders, and some lenders work primarily through broker channels. Speaking with a commercial mortgage broker can help you understand which lenders may be suitable for your situation.

Do you still have some questions?

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Commercial Property Loans