Commercial Property Investment Loans Melbourne
Looking for commercial property investment loans in Melbourne? Whether you are buying an office, warehouse, retail space, factory or mixed-use property, the right finance structure can make a significant difference to your investment strategy, cash flow and long-term returns.
At Aus Wealth, we help Melbourne investors and business owners compare flexible lending options for commercial property purchases, refinancing and portfolio growth. We work with a broad panel of lenders to help match your investment goals with suitable commercial finance solutions.
If you are exploring related funding options, you can also review our commercial property loans Melbourne, commercial loans Melbourne and property development finance Melbourne pages.
What Are Commercial Property Investment Loans?
Commercial property investment loans are funding solutions designed for investors purchasing income-producing or growth-focused commercial real estate. These loans can be used for a wide range of investment properties including offices, retail shops, warehouses, factories, logistics sites and mixed-use premises.
Unlike owner-occupied commercial lending, investment loans are often assessed based on rental income, lease strength, property quality, borrower profile, loan structure and the overall investment strategy.
Types of Commercial Investment Properties
Commercial property investment finance can be used for many different asset types depending on lender criteria, property location, lease profile and investment purpose.
Office Properties
Finance for office suites, professional rooms and commercial office buildings.
Retail Premises
Funding for retail shops, shopping strip properties and customer-facing commercial spaces.
Industrial & Warehouse
Support for warehouses, factories, logistics properties and industrial units.
Mixed-Use Properties
Finance for properties with both commercial and residential components.
Who Can Benefit from Commercial Investment Finance?
- Investors purchasing their first commercial property
- Experienced investors growing a commercial property portfolio
- Business owners investing through a company, trust or SMSF structure
- Borrowers refinancing existing commercial investment debt
- Melbourne investors seeking rental income or long-term capital growth
How Lenders Assess Commercial Property Investment Loans
Lenders typically assess the property type, lease strength, rental income, location, borrower experience and the overall financial position of the applicant. They may also consider the loan-to-value ratio, repayment capacity, existing debts and whether the property is considered standard or specialised.
Commercial properties with strong tenants, longer lease terms and established income streams may provide stronger support for an application. Specialised properties may require a more tailored approach because lender appetite can vary.
Loan Structures and Deposit Requirements
Commercial investment loans are generally structured differently from residential property loans. Lenders may require a larger deposit or equity contribution, especially for specialised assets, higher-risk properties or complex borrower structures.
Depending on the lender and the property, borrowers may need to contribute between 20% and 35% of the purchase price. Some lenders may offer more flexible structures for stronger applications or lower-risk commercial property types.
Commercial vs Residential Investment Lending
Commercial property lending is often more specialised than residential lending because the lender assesses both the borrower and the strength of the property as an income-producing asset. Lease terms, tenant profile, zoning, location and market demand can all play an important role.
Compared with residential property, commercial assets may offer stronger rental yields, but they can also involve different vacancy risks, valuation methods and lender requirements.
For investors comparing broader commercial funding options, our commercial loan broker Melbourne page may also be useful.
Common Uses for Commercial Investment Loans
Commercial property investment loans can be used for new purchases, refinancing, equity release and portfolio expansion. The right structure depends on your investment goals, property type and cash flow requirements.
- Purchasing a new commercial investment property
- Refinancing an existing commercial property loan
- Expanding a commercial property portfolio
- Accessing equity from an existing commercial asset
- Funding improvements or renovations to increase rental value
Interest Rates and Loan Terms
Interest rates for commercial property investment loans depend on the lender, borrower profile, loan size, property quality, lease security and loan structure. Rates may be fixed or variable depending on the selected option.
Some investors may prefer interest-only repayments to support short-term cash flow, while others choose principal and interest repayments to reduce debt over time. Loan terms can vary depending on lender policy, property type and the broader investment strategy.
Why Use a Commercial Loan Broker?
A commercial loan broker can help compare lender options, identify suitable loan products and structure the finance around your investment strategy. This can be especially useful for commercial property, where lender appetite can vary significantly depending on the asset, tenant, lease and borrower profile.
At Aus Wealth, we work with banks and non-bank lenders to help Melbourne investors access commercial property finance solutions that align with their goals.
Our Commercial Property Investment Loan Process
We aim to make the process clear and structured, from the first enquiry through to lender comparison, application preparation and settlement.
1. Review Goals
We discuss your investment goals, property type and preferred loan structure.
2. Assess Borrowing
We review your financial position, borrowing capacity and lender requirements.
3. Compare Lenders
We compare commercial loan options from suitable banks and non-bank lenders.
4. Support to Settlement
We assist with application preparation, approval steps and settlement support.
Why Choose Aus Wealth?
- Access to over 40 lenders
- Experience in commercial and investment finance
- Support for straightforward and complex scenarios
- Tailored loan structures for Melbourne investors
- End-to-end guidance from enquiry to settlement
Frequently Asked Questions
What is a commercial property investment loan?
It is a loan used to purchase or refinance a commercial property that is held as an investment rather than being occupied by the borrower’s own business.
How much deposit do I need for a commercial investment property?
Many lenders require a deposit of around 20% to 35%, depending on the property type, risk profile, lease strength and borrower profile.
Can I get an interest-only commercial investment loan?
Yes, some lenders offer interest-only options, particularly for investors who want to support short-term cash flow or manage investment income more flexibly.
Are commercial property investment loans different from residential investment loans?
Yes, commercial lending is usually assessed more heavily on lease strength, tenant quality, zoning, rental income, asset type and commercial market demand.
Can I refinance an existing commercial investment property?
Yes, refinancing is commonly used to improve loan terms, release equity, restructure existing debt or support further commercial property investment.
Need Commercial Property Investment Loans in Melbourne?
Aus Wealth can help you compare lenders and explore suitable funding options for your commercial property investment strategy. Whether you are buying, refinancing or expanding your portfolio, our team can guide you through the process.
