Looking to multiply your investment with quick commercial property loans in Australia? Look no further! Probiz Finance stands out as the #1 commercial finance broker in Melbourne, offering expert services tailored to your needs.
In Australia, commercial mortgage brokerage services are essential for those seeking to invest in commercial properties. Whether you’re eyeing a hotel purchase or need financing for leasehold properties, our team provides comprehensive assistance and consultancy services. We specialise in various sectors, including hotels, motels, retail spaces, and industrial properties.
Whether you’re buying an office, expanding into a warehouse, or refinancing an existing property, getting the right commercial loan in Australia takes more than a quick Google search. Lenders price these loans differently, terms are rarely advertised publicly, and the wrong choice can cost you thousands over the life of the loan.
At Probiz Finance, we do the heavy lifting for you. As an experienced commercial mortgage broker based in Melbourne, we tap into a wide network of banks, non-banks, and private lenders to find a deal that actually fits your circumstances — not just the first approval that comes back. Borrow up to 70–80% LVR on qualifying properties, with a faster turnaround than going direct.
Commercial Property Loans are a financial instrument that helps you create healthy debt and pursue purchasing, building, renovating, or developing properties like shops, office buildings, warehouses, or other industrial assets for selling or renting purposes. They are used for business or investment purposes, except for residential investment properties that the NCCP Act does not regulate.
Unlike residential loans, the banks refrain from disclosing their pricing, terms, and conditions publicly. It’s not common knowledge, but all of the above features are usually negotiable.
That flexibility works both ways. It means pricing, loan-to-value ratios, and repayment structures are often negotiable — but it also means you need someone in your corner who knows how to negotiate. Our team at Probiz Finance has helped business owners across Melbourne, the eastern suburbs, and all of Victoria secure commercial finance on terms that actually make sense for their goals.
We work with clients in Ringwood, Croydon, Box Hill, Glen Waverley, Doncaster, Blackburn, Mitcham, Ferntree Gully, Nunawading, Balwyn, and beyond — and because we work with lenders nationally, we can help businesses anywhere in Australia.
Lenders assess commercial properties differently depending on how easy they are to value and sell if things go wrong. In general, properties fall into two buckets:
Standard security (easier to finance):
Specialised security (higher risk, more complex to finance):
Specialised properties aren’t impossible to finance — we’ve placed plenty of them — but they do require a lender with the right risk appetite and experience. That’s where having a broker with the right connections makes a real difference.
Not all commercial property loans are assessed the same way. Lenders look at why you need the funds, and that shapes everything from your interest rate to how much they’ll lend.
Understanding how your purpose is classified matters — it directly influences the LVR you can access, the rate you’re offered, and which lenders will even consider your application. If you’re unsure how your situation sits, a quick conversation with our team usually clears things up fast.
Contact us today to explore your commercial property financing options and experience the difference of working with a trusted partner.
We’re not a bank. We don’t have one product to sell you — we have access to a broad panel of lenders, and our job is to find the one that’s right for your deal. Here’s what that looks like in practice:
Ready to explore your options? Call us on 0415 929 728 or email admin@probizfinance.com.au and we’ll get back to you, usually the same day.
Don't take our word for it — here's what Australian business owners are saying about working with Probiz Finance.
Everything you need to know about commercial property loans in Australia.
Most lenders will finance up to 70–80% of the property's value (LVR) for standard commercial properties like offices, retail spaces, and warehouses. Specialised properties — such as hotels, petrol stations, or aged care facilities — may attract a lower LVR due to their complexity and limited resale market.
The exact amount you can borrow depends on the property type, your business financials, and the lender's current risk appetite. At Probiz Finance, we work across a broad panel of lenders to find the one willing to offer the most competitive terms for your specific situation.
Commercial property loans are used for business or investment purposes — buying shops, offices, warehouses, and similar assets — while home loans are for residential properties you live in.
The key practical difference is regulation: home loans fall under the National Consumer Credit Protection (NCCP) Act, which sets strict disclosure and assessment rules. Commercial loans don't, which means pricing, LVR, and repayment terms are far more negotiable — but it also means you need to understand what you're comparing. Working with a commercial mortgage broker helps you cut through the complexity and make sure you're not leaving money on the table.
It varies depending on the lender, the complexity of the deal, and how quickly your documentation can be pulled together. For straightforward applications with clean financials, some lenders in our network can return a decision in 24–48 hours. More complex deals — development finance, specialised properties, or large loan amounts — typically take longer.
One of the biggest reasons applications drag on is incomplete paperwork. Our team at Probiz Finance reviews your application before submission to make sure it's in the best possible shape, which significantly reduces back-and-forth with the lender.
Yes. Most lenders require a deposit of at least 20–30% of the purchase price, which corresponds to an LVR of 70–80%. However, it's possible in some cases to use equity in an existing property as security instead of cash — this is something we assess on a case-by-case basis.
If you're short on deposit, it's worth having a conversation with us before assuming you're out of options. There are sometimes creative structuring solutions available through non-bank lenders that a direct bank approach won't surface.
Yes — and this is actually a common situation for business owners. If you don't have two years of full financials, some lenders offer low-doc commercial loans that use alternative income verification, such as BAS statements, an accountant's declaration, or bank statements. The trade-off is usually a slightly higher rate or lower LVR, but for many self-employed borrowers it's still a workable path to finance.
Probiz Finance has experience placing low-doc commercial deals and can match you with lenders who are comfortable with this type of application. You can also read more on our low-doc loan page.
Going directly to one bank means you're seeing one set of rates, one set of terms, and one risk assessment. A broker like Probiz Finance gives you access to multiple lenders — banks, non-banks, and private credit providers — and can negotiate on your behalf.
Commercial loan pricing is rarely fixed; it's largely negotiable, and knowing the market means knowing what's achievable. Beyond rate comparisons, we also manage the application process, help you prepare documentation, and handle lender communications. For most borrowers, this saves significant time and often results in a better outcome than a direct application.
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