Loan Select Tablelands
Commercial Loan in the Tablelands
We’re a one-stop shop with hundreds of loan options available from across Australia’s leading lenders.
Property Finance Guidance
Commercial Loans for Tablelands Businesses
At Loan Select Tablelands, we help clients access commercial property finance suited to their needs, whether they’re buying premises, expanding a portfolio or refinancing an existing investment. We’ll walk you through lending criteria, property types, documentation, lease conditions, and serviceability requirements so you can proceed with clarity.
Commercial lending can be more complex than residential finance, but we take care of the research, explanations and comparisons to simplify the process. Our focus is on structuring finance to support your long-term goals, whether you’re purchasing as a business owner or investor. We’ll also help you assess fixed vs variable interest rates, loan terms, LVR limits, and any commercial security conditions.
Other services we offer include refinance options, asset finance and business loans. For clear commercial loan guidance and practical support, call us on (07) 4091 4766.
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Tailored Property Loans
Structured Lending Support
We understand the challenges of securing commercial finance, especially when dealing with non-standard property types or unique income structures. That’s why we take the time to gather all relevant information and clearly explain how lender criteria apply to your situation. From strata units and warehouses to mixed-use buildings and offices, we match loan structures to your property type and intended use.
- Owner-Occupied Loans
We help business owners access finance to purchase or refinance premises with loan terms & repayments that suit your cash flow.
- Investment Loans
Buy or refinance commercial property as part of your portfolio with tailored loan options based on your structure & goals. - Lease-Doc Loans
Use rental income from the property to service the loan, ideal for borrowers who may not meet standard income verification criteria. - Low Doc Loans
Designed for self-employed borrowers with limited documentation, we’ll help you meet requirements while managing lender expectations. - Loan Term Guidance
We help you compare options for interest-only or principal & interest repayments, residual values, & balloon structures.
We’re here to simplify the lending process and help you move forward with confidence. Whether you’re purchasing, refinancing or expanding your property portfolio, we’ll guide you through every step with tailored, transparent support.
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Frequently Asked Questions
What is a commercial property loan?
A commercial property loan is used to purchase real estate intended for business use—such as office buildings, warehouses, or retail spaces. These loans differ from residential loans in terms of eligibility, interest rates, and repayment structures. They often require a larger deposit (typically 20–30%) and may be assessed based on the income generated by the property or the financial strength of the business. Loan terms and conditions vary depending on the lender, so it’s important to review costs, loan features, and long-term commitments before applying.
How much deposit do I need for a commercial property loan?
Commercial property loans generally require a larger deposit than residential home loans. Most lenders ask for at least 20%–30% of the property's value, though requirements can vary based on the loan type, property risk, and borrower profile. A higher deposit can reduce the overall risk to the lender and may result in more favourable interest rates. Unlike residential loans, commercial loans typically don’t offer Lenders Mortgage Insurance, so borrowers must meet strict eligibility and financial criteria to secure approval.
Can I buy commercial property through a self-managed super fund (SMSF)?
Yes, it is possible to purchase commercial property through an SMSF, provided strict compliance rules are followed. The property must meet the sole purpose test—meaning it is held solely to provide retirement benefits to fund members. SMSFs may borrow under limited recourse borrowing arrangements (LRBAs) to fund the purchase, but the structure must be set up correctly and managed in accordance with superannuation laws. This option requires legal, financial and tax advice due to the complexity and compliance obligations involved.
