Overview

How much can I borrow?   As every commercial property is different, commercial finance is always done on a case by case basis.

Loan size   Minimum loan size is $300,000.  Most commercial finance is done up to $1m.  Over this size, loans are assessed differently. In commercial finance  there is no maximum loan size.

Term   From 1 year to 30 years. 15 years is the most common commercial property loan term.

  • LVR 
  • 80% up to $1m
  • 75% up to $3m
  • 70% up to $5m
  • 65% unlimited, and assessed on its merits

Indicative Rates  As a guide, for standard commercial properties, variable rates normally sit between 6.5% to 7.5%. Larger commercial loans can be done cheaper than this.

Any smsf has to incur particular expenses for the fund to run and provide retirement benefits to its members. What fund expenses are common? Any payment in line with the investment strategy and permitted by the super laws and trust deed will be deemed appropriate. Some of the common fund expenses include: Operating expenses Most…
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