Commercial Finance Loans for Businesses
Mortgage House delivers flexible commercial finance solutions designed for Australian businesses at every stage of growth. Whether you need to buy premises, refinance an existing loan, or invest through your SMSF, our commercial loan structures are built to provide cash flow stability, compliance, and growth opportunities.
With more than 39 years of expertise in Australian lending, we combine competitive rates, offset features, and tailored support to make commercial property ownership achievable and sustainable.
Why Choose Mortgage House Commercial Finance?
- Competitive Interest Rates – pricing designed to minimise borrowing costs over time.
- Flexible Loan Structures – choose from principal & interest, interest-only, or blended repayment plans.
- Wide Range of Security Options – from residential in commercial zoning to SMSF, rural, and mixed-use properties.
- Fast Approval Process – digital-first applications to reduce paperwork and shorten time to settlement.
- Specialist Lending Support – commercial finance experts who understand tax, super, and business compliance.
- 100% Offset Account with Real-Time Payments – pay ATO, GST, Super, payroll tax, and accounts payable just one day before due while maximising interest savings.
- 100% Offset Account with Real-Time Payments – pay ATO, GST, Super, payroll tax, and accounts payable just one day before due while maximising interest savings.
- No Annual Reviews – long-term certainty without repetitive reassessment.
- SMSF Commercial Property Loans – own your office or warehouse in your SMSF so rental payments grow your retirement balance.
- Free Visa Debit Card – manage small online purchases like stationery, software, and vehicle expenses.
- Loan Terms up to 30 Years – extended repayments designed to preserve business cash flow.
How Commercial Finance Works
Commercial loans provide funding to:
- Purchase property – buy offices, factories, warehouses, or retail premises.
- Refinance loans – consolidate debt and restructure terms for better cash flow.
- Relocate operations – secure new premises in strategic locations.
- Expand business – invest in growth, capacity increases, or diversification.
- SMSF investments – tax-efficient commercial property ownership inside a superannuation structure.
Our approach aligns with the Business.gov.au Loan Application Guide for compliance and clarity.
Advantages
Increase your capital
Owning your own commercial premises gives your business a capital asset that can help your balance sheet. It can also help with future finance applications.
Equity
Whether you’re a business, commercial or residential property owner, building up equity can be a big advantage. As a commercial premises owner, it can help you with commercial and business loan applications in the future.
Longer leases
If you are borrowing money for a commercial investment, and you have a tenant, then that can be a big advantage. Commercial leases are usually long-term and can give you financial stability to make further investment decisions.
Disadvantages
Cost
Buying commercial property can be more expensive than residential property and maintaining or upgrading can also be costly.
Vacancy
Commercial premises can have long vacancy rates. If you’re investing in commercial property, it is important to take this into consideration.
Tax
Buying a commercial property can attract GST and can be subject to Capital Gains Tax (CGT) when sold.
Business risk
It’s also important to understand that if a commercial loan has defaulted then it will be listed on the company’s credit report.
What Other Loans Can Help My Business?
Commercial loans aren’t the only option Mortgage House can offer you to help your business grow. We know the importance of actively listening to our customers’ needs, not what we think their needs may be. That is a key part of our lending specialists identifying suitable loan and mortgage finance products and options for each customer. Providing ongoing support throughout the life of the loan is just as important for commercial loans as it is for regular home mortgages, and our specialist technology ensures a simple and seamless process, no matter the size of the business or property. As well as providing you with a range of tools, knowledge and experience, Mortgage House can also provide your business with a range of other finance options, including:
- Business Loans. The day-to-day operation of a business, big or small, isn’t easy. A business loan can be suitable if you need urgent finance, for something as small as a coffee machine or as big as an expansion opportunity. Business loans can even help you get started.
- Line of credit. A line of credit can help you with urgent cash flow and can be a great way to keep things moving while waiting for invoices to be paid.
- Investor loans. If you’re looking to purchase a commercial property, investing in more real estate can add to your portfolio.
- Interest only. Interest-only loans can help free up cash flow and increase your range of property investment.
How Do I Apply For A Commercial Loan?
When you’re applying for a commercial loan, it is important to have a clear picture of your business finances and ensure they are in the best position to seek finance. As www.business.gov.au points out, there are a few things to consider before applying, to give your application the best chance of success. These include:
Business plan
Make sure your business plan is up to date, and you have all the supporting documents attached or in an easy-to-reach place. Make sure your business plan is clear and concise
Know your figures
Banks and lenders will need to know all the key financial figures for your company, so make sure you have them available. This is important whether you prepare them or have a financial expert help you. Figures such as up-to-date income, expenses and future projections, as well as net profit information, are always worthwhile.
Don’t fake it
If you don’t think you are comfortable answering financial questions, bring along an accountant or business advisor, someone who can do it for you, accurately.
With that in mind, it is always important to know your limitations when speaking with our lending specialists. You know your business and what you want but knowing your finance limits can be just as vital. That’s where an understanding of your ability to repay borrowed money is crucial. Before you apply for a commercial loan, ask yourself these questions.
Business Do you need the money up-front or on a needs basis?
What is the maximum repayment you can afford?
What is your Loan-To-Value Ratio (LVR)? (see below)
If you need collateral, what assets do you have to offer?
If you need a guarantor, who will be willing to guarantee your loan?
How much equity do you have?
What is the maximum percentage share of your business you are willing to offer investors?
Source: https://www.business.gov.au/finance/
seeking-finance/apply-for-a-business-loan
So Mortgage House can help you find a suitable commercial loan, our lending specialists will take you through these questions, and a few more. It is important Mortgage House understands your full financial situation to help you achieve your property goals.
Repayment Calculator
Important Disclaimer: This is intended as a guide only. Details of terms and conditions, interest rates, fees and charges are available upon application. Mortgage House’s prevailing credit criteria apply. Please note that your actual fortnightly repayment would be equal to the monthly repayment amount divided by two. Weekly repayments would equal the monthly repayment amount divided by four. If you choose to pay fortnightly or weekly, your actual repayments will be higher than repayments shown on this page. You can reduce the term of your loan if you choose to make repayments fortnightly or weekly. We recommend you seek independent legal and financial advice before proceeding with any loan.
What Kinds Of Loans Are Available?
Most banks and lenders offer two different kinds of loans. Both have their advantages and risks, and, depending on the health or your business, both may be an option for your commercial loan.
- Principal and Interest. A Principal and Interest loan means your repayments from the start are made up of both the principal amount and the interest charged. Our Mortgage Repayment Calculator is a good way to highlight how repayments can be made up of both, and when the majority of the interest will be charged. If you make additional repayments, the amount of interest you pay will reduce.
- Interest Only. Interest-only loans are just as they sound. Instead of paying back both the principal and interest amounts in your early repayments, the repayments are solely the interest amount. The length of time repayments remain interest-only is usually limited to less than 10 years, and repayments are often smaller. The aim of Interest-only loans is to sell the property within the agreed interest-only period and sell the property for a profit.
What is Loan-To-Value Ratio (LVR)?
LVR is the percentage amount you are borrowing, compared to the value of the property you want to buy. It is usually determined by the loan details, and how much deposit you have available. If your property is bought at $1 million and you have put a deposit down of $200,000, your LVR is 80% – you’ve put down a 20% deposit and have borrowed 80% of the total value of the property. Your LVR can reduce as you pay off the loan. If you have saved up a deposit, then you can determine how much you can afford to spend on buying your commercial property.
