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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#InvestmentReady | #CreditAssessment | #CommercialLoanExperts
Loans AU — Commercial Property Finance Made Easy. Results That Matter.
The Aussie Lending Lounge by Loans AU 