🏢 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.
💡 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.
🔍 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
🔧 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.
🧮 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 ✅
🚀 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
📲 Let’s get started now!
🔗 Apply Today
💬 Chat on WhatsApp
📞 Call us: 0413 360 888
📌 Written by The Aussie Lending Lounge by Loans AU
The Aussie Lending Lounge by Loans AU 