Author: The Aussie Lending Lounge by Loans AU

🏢 Smart Lending for Smarter Properties

💼 Maximise Your LVR. Minimise Your Interest. Grow Your Wealth.

📢 Want to purchase or refinance a commercial property in Australia?
Here’s how savvy investors structure their loans to unlock maximum LVR and switch to lower rates — all while keeping cash flow strong and future options open.

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💡 The Strategy: Max Out LVR First — Then Refinance to Lower Rates Later

Many property buyers start with non-bank lenders. Why? Because they allow up to 80% LVR with flexible interest-only terms — often over 30 years with the first 5 years as interest only. But these come with higher interest rates.

🏦 If you want lower rates, major banks are the long-term solution. They typically offer:

• ✅ Lower interest rates
• ✅ Stronger servicing options
• ✅ Better long-term security

However, they often limit LVR to 60–70% — unless you qualify for a hybrid structure.

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🔍 The 10% Amortisation Model with Major Lenders:

• 🔹 10% of the total loan is repaid as principal + interest over 5 years
• 🔹 90% remains as interest-only during that period
• 🔹 After 5 years, the remaining 70% may be rolled into a new interest-only loan — at lower rates
• 📝 Must pass tough credit checks with strong income and documentation

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🔧 Switching from Non-Bank to Bank? Time for a Revaluation Strategy

To refinance from a non-bank lender to a major bank, you need to boost your property’s valuation.

📈 Tips:

• 🔨 Engage professionals for targeted renovations
• 📐 Know your price per square metre
• 📊 Use quantity surveyors & valuers to guide improvements

The goal is to increase equity, reduce LVR, and qualify for better terms.

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🧮 Example: Borrowing $1M with 10% Amortisation

• $100K = Principal & Interest over 5 years
• $900K = Interest Only for the full term
• After 5 years: Refinance remaining 70% if eligible ✅

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🚀 Ready to Build a Smarter Commercial Loan Strategy?

We’ll help you:
✔️ Maximise borrowing power
✔️ Structure your loan for cash flow
✔️ Refinance when timing’s right
✔️ Upgrade your property value strategically

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📲 Let’s get started now!
🔗 Apply Today
💬 Chat on WhatsApp
📞 Call us: 0413 360 888

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📌 Written by The Aussie Lending Lounge by Loans AU

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