Commercial Loan
Flexible commercial lending for business, owners and property investors.
- From (investment)
- 7.59%
- Variable
Interest Rates
Investment — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Commercial SMSF – Minimum Starting Rate for commercial loans. | 7.59% | — | — |
| Variable Commercial Lease Doc – Minimum Starting Rate for commercial loans. | 8.1% | — | — |
Any purpose — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Commercial Full Doc – Minimum Starting Rate for commercial loans. | 7.84% | — | — |
| Variable Commercial Mid Doc – Minimum Starting Rate for commercial loans. | 8.59% | — | — |
| Variable Commercial Quick Doc – Minimum Starting Rate for commercial loans. | 8.99% | — | — |
| Variable GST Loan – Minimum Starting Rate for GST Loan. | 14.59% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment Fee Multiple establishment fee structure available, GST applicable in addition to rate %. | Upfront | 0.95% of balance |
| Legal Fee This fee covers legal services and varies depending on transaction complexity. | Upfront | Variable |
| Valuation Fee Valuation fees depend on property type and location. | Upfront | Variable |
| Title Insurance Title insurance may apply in certain cases. | Upfront | Variable |
| Settlement Fee A fixed settlement fee is charged when the loan is settled. | Upfront | $495.00 |
| Discharge Fee Covers the administrative process for full or partial discharge of security, plus any legal fees. | Exit | $950.00 |
Features
- Digital banking
- Digital access to customer portal to view and manage loans.
- Guarantor supported
- Guarantors permitted, subject to credit approval.
- Redraw facility
- Available for variable rate loans, enabling access to extra or early payments made to an eligible loan.
- Offset account
- Available for variable rate loans, enabling access to extra or early payments made to an eligible loan. Offset facility running balance provided as part of loan statement.
- Extra repayments
- Extra or early repayments permitted for eligible variable rate loans.
Eligibility
- Individuals only — Property investors and owner occupiers operating a business in the property.
- Minimum age — 18 yearsBorrowers must be 18 years or older at application.
- Business customers — Business including sole traders, partnerships, trusts and registered companies.
- Loan must meet lending policy and criteria. — Subject to lending criteria.
Constraints
- Minimum limit — $100,000.00Loans start from $100K
- Maximum limit — $10,000,000.00Up to $10M, subject to approval
- LVRs and pricing vary by location — Postcode Rules
More Information
Published by Thinktank under the Consumer Data Right · Last updated 8 July 2026 · Product ID 954c5b18-0e49-4b83-af8f-5c2a6bf7306d