Commercial Property Finance
Commercial property finance, positioned to get approved.
Purchase, refinance or develop — owner-occupied or investment. We compare commercial property finance with access to a panel of 60+ lenders and package the deal where it's most likely to land.
What is commercial property finance?
Commercial property deals live and die on how they're presented — the same numbers can be a decline at one lender and an easy approval at another.
Commercial property finance funds the purchase, refinance or development of commercial real estate — from a business buying the premises it operates from, to an investor holding an industrial shed or a retail strip. Unlike a home loan, it isn't a rate-card exercise: lenders weigh the security type, lease covenants, tenant strength and how the servicing is framed. Getting the deal to the right desk with the right framing is most of the value a broker adds here.
What we finance
- Owner-occupied premises — buy the building your business operates from, or move up.
- Commercial investment — offices, retail, industrial and mixed-use.
- Refinance — release equity, reduce rates or restructure existing commercial debt.
- Construction & development — ground-up and value-add projects (see development finance).
- Specialised security — including assets other lenders shy away from.
Owner-occupied vs investment
The single biggest fork is whether you occupy the property or lease it out — it changes how servicing is assessed and often the pricing.
| Owner-occupied | Investment | |
|---|---|---|
| Who uses it | Your business operates from it | Leased to tenants |
| Servicing driven by | Business income | Lease income & covenant strength |
| Pricing | Often keener | Depends on tenant & lease quality |
| Typical deposit | Sometimes lower for strong deals | Commonly 20–35% |
Rates, LVR & deposit
Commercial pricing and leverage are set per deal. What moves them:
- Security type — standard commercial prices and levers better than specialised security.
- LVR — commonly up to 65–80% depending on the property and lender.
- Lease covenants — tenant strength and remaining lease term, for investment deals.
- Servicing & doc type — full-doc, lease-doc or low-doc.
- Lender fit — appetite for the property type is decisive.
Any figures on this page are indicative only and do not constitute a formal finance offer or approval.
Eligibility & what lenders look for
Lenders want to see acceptable security, a credible servicing story (business or lease income), a sensible LVR and — for investment — quality tenants on solid leases. A well-presented application with the numbers framed the lender's way moves faster and prices better. That framing is exactly what a DeMarque broker does before anything is lodged.
See your indicative rate & borrowing power
A personalised feasibility read in under 90 seconds.
Common questions
What is commercial property finance?
Commercial property finance funds the purchase, refinance or development of commercial real estate — offices, retail, industrial and mixed-use — whether you occupy the building yourself or hold it as an investment. Lenders assess the property, the lease covenants and how the numbers are framed, not just the borrower.
How much deposit do I need for commercial property?
It varies by security and lender — commonly 20–35% for standard commercial, and sometimes less for strong owner-occupied deals. We give you a realistic read up front rather than a rate-card guess.
What's the difference between owner-occupied and investment lending?
Owner-occupied means your business operates from the property, so business income drives servicing and pricing is often keener. Investment means the property is leased to tenants, so lease income and covenant strength matter more. The two are assessed differently, which is why the right lender match matters.
Can I use my business income to help service the loan?
Yes. For owner-occupied and lease-doc deals, business income and lease income both feed into how lenders assess servicing. We frame the servicing in the way each lender wants to see it.
Can you help with development or construction?
Yes. We arrange construction and development funding alongside standard commercial property finance — progress-drawn facilities structured to your build program.
What rate will I pay?
Commercial property pricing depends on the security type, LVR, lease covenants, your servicing and the lender. It's set per deal, so the eligibility check is the accurate way to see your indicative range. Any figure here is indicative only and not a formal offer.
Finance tool
Commercial property repayment calculator
Estimate monthly repayments on a commercial property loan — adjust the amount, term and example rate, then get your real indicative rate from the eligibility check.
Commercial property repayment calculator
Example rate only — not a DeMarque Finance quote. Your actual rate and eligibility come from the eligibility check.
DeMarque Group Pty Ltd trading as DeMarque Finance. Results are indicative only and do not constitute a formal finance offer or approval. DeMarque Finance is authorised Credit Representative 522568 under Australian Credit Licence 384704. Phone 1300 108 751.
Go deeper
Commercial property finance guides
What is commercial property finance?
The fundamentals, and how it helps a business grow.
5 factors lenders look for
What makes a commercial property application an easy yes.
Owner-occupied vs investment
How the two are assessed — and why it changes your deal.
Residential vs commercial loans
The differences that catch investors and developers out.
High-value development finance
For larger projects and value-add deals.
When to refinance
How to tell a refinance leaves you better off.
Your move
See what your business qualifies for.
A personalised indicative outcome in under 90 seconds. No credit check to start, no obligation.
Check your eligibility →