Commercial Property Finance Made Easy — Partner with Loans AU Today

Published by: The Aussie Lending Lounge by Loans AU

Looking to secure a 🏢 commercial property in Australia?

Whether you’re investing in a retail space, warehouse, office, or mixed-use asset, commercial lending can feel complex — but it doesn’t have to be.

At Loans AU, we make the process easy, strategic, and results-focused 💼✨

Here’s how we help you from day one to settlement — and beyond.

📊 What Loan-to-Value Ratios (LVR) Can You Expect?

✅ Major Banks: Up to 65–70%
✅ Non-Bank Lenders: Up to 75%
✅ Private Lenders: Up to 80% (higher flexibility, higher cost)

💡 Tip: If your valuation falls short, having extra funds available can be a deal-saver.

🏢 Ownership Structures That Lenders Accept

You can purchase under:

• 👤 Your personal name
• 🏢 A company
• 🤝 A unit trust
• 👨‍👩‍👧‍👦 A discretionary (family) trust

Each structure affects:

• 💰 Capital Gains Tax (CGT)
• 🏠 Land tax thresholds
• 💼 GST obligations

📌 Trust setup? Allow 5–10 business days. Talk to your accountant early.

🧮 How Do Lenders Assess Your Serviceability?

Lenders want to know: Can you afford the loan? Here’s what they evaluate:

• 📈 Business income and net profit (plus depreciation addbacks)
• 💸 Existing loans and debts
• 🧾 Living expenses (for individuals)
• 📃 Proposed or current lease income
• 📊 Financial strength of your entities

🧠 Important: Give your broker a clear breakdown of your business or trust structure — including directors, beneficiaries, and ownership. The more accurate your information, the better we can position your application.

👥 Build the Right Finance Team

• 👨‍💼 Accountant: Provides clean, updated financials
• ⚖️ Solicitor: Handles contract reviews, lease clauses, and negotiations
• 🧑‍💼 Broker (Loans AU): Structures and presents your application to 100+ lenders

✅ Also have ready:

• Loan contracts
• Loan statements
• Bank records
• Lease proposals

⏳ These docs save time and reduce approval delays!

🧾 Loan Types Available at Loans AU

1️⃣ Full-Doc Loans – Tax returns & financials required
2️⃣ Alt-Doc Loans – Use BAS, accountant letters, or bank statements
3️⃣ Low-Doc Loans – Minimal paperwork, ideal for fast settlements

💰 May 2025 Interest Rates & Loan Terms

• Full-Doc: from 6.69% p.a.
• Alt-Doc: 7.99%–9.99% p.a.
• Private Lending: 10.5%–14% p.a.

📆 Loan Terms: 1–25 years (some lenders offer up to 30 years)
💳 Interest-Only: Up to 5 years available

⏱️ Application Timeline

• 🏗️ Entity setup: 5–10 business days
• ✅ Approval: 10–15 business days (banks), 3–7 days (non-banks)
• 🏁 Valuation + settlement: 1–2 additional weeks

📦 Most deals settle within 4–6 weeks. We can go faster with full docs on hand!

🔐 Director’s Guarantee Required?

If you’re buying through a company or trust, most lenders will request a director’s or personal guarantee. Be prepared ✅

📋 What Documents Do You Need?

• ✅ 2 years of business financials
• ✅ Personal and business tax returns
• ✅ BAS statements
• ✅ Trust deed or company constitution
• ✅ Proposed or existing lease
• ✅ Bank statements
• ✅ Loan contracts + statements
• ✅ Statement of position
• ✅ ID documents

💡 A clean credit history + complete documents = faster approval 🚀

🛠️ Post-Settlement: Maximise Your Property Value

Once settled, it’s time to increase your asset’s value 🔧

Work with commercial property experts to:

• Boost 💸 rental income
• Improve 📐 layout efficiency
• Strengthen 📈 valuation per sqm
• Prepare for future 💵 refinance or equity release

🔁 This is a key step in maximising return — especially for resale or future loan top-ups.

🤝 Why Choose Loans AU?

At Loans AU, we do more than find you a lender:

• ✅ Structure your deal the right way
• ✅ Coordinate with your accountant and solicitor
• ✅ Pre-empt valuation or funding shortfalls
• ✅ Push deals through with urgency when needed
• ✅ Support you through refinance or equity release later on

📲 We’re available 24/7 via WhatsApp or KakaoTalk to help — every step of the way.

🚀 Ready to Get Started?

Let’s make it happen:

🔗 Get Started: http://www.loansau.com/getstarted
💬 WhatsApp Us: https://wa.me/61413360888
🌐 Visit Website: http://www.loansau.com

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#LoansAU | #CommercialPropertyFinance | #BusinessLoansAustralia
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#CommercialBroker | #PropertyFinanceExperts | #RefinanceSupport
#InvestmentReady | #CreditAssessment | #CommercialLoanExperts

Loans AU — Commercial Property Finance Made Easy. Results That Matter.