Buying premises for your business, investing in commercial property, or refinancing an existing loan? We compare 30+ lenders and structure your finance around your business, not a one-size-fits-all product.
Commercial lending works differently from home loans. For an owner-occupied property, the lender focuses heavily on whether your business can meet the repayments. For an investment property, rental income, tenant quality and the lease matter more.
Lenders also set their own rules on deposit, loan size and property types, and base the loan on their own valuation, not just your contract price. We match your situation to the right lender before you apply.
LL Global Group helps you compare suitable Commercial Loans, including fixed, variable, and split-rate options.Â
Commercial purchases come with costs beyond the deposit. NSW stamp duty applies, and GST may apply to the purchase price. You should also allow for valuation fees, legal and due diligence costs, and lender fees.
We help you work out the full figure before you make an offer, so there are no surprises at settlement.
 Personalised Support at Every Stage
Specialist lender matching and clear advice, from first chat to settlement.
Compare a range of loan options.
Benefit from our industry experience.
Understand loan features, fees, and conditions.
Get help throughout the application process.
Serving Western Sydney, Sydney Metro, and regional NSW.
Keep your loan aligned with your changing needs.
Talk to our team and find out how we can support your commercial property goals, from your first enquiry to settlement and beyond.
Commercial loans come in many forms. Here is what we look at when comparing options for you.
Buy the premises your business operates from.
Buy commercial property to lease to tenants.
Borrow based on the rent from an unrelated tenant's lease.
Lower repayments for an agreed period.
Balance repayment certainty with flexibility.
Review an existing commercial loan or use equity for your next move.
Buy business premises through your SMSF, subject to SMSF rules.
Features vary between lenders and products. We help you choose what fits your plan.
Most lenders look for the following. Requirements vary.
Many lenders prefer at least one to two years of trading for owner-occupied loans.
Commercial loans usually need a larger deposit than home loans.
Financials that show the business or rent can cover the loan.
For the business, directors and any guarantors.
A property type, location and use that fits the lender's policy.
For investment properties, a clear lease with a suitable tenant.
Business premises or a commercial investment.
Lending criteria vary between lenders. Contact our team to discuss your situation.
Preparing your documents early can help make the application process more efficient. The exact requirements depend on your financial situation, employment type, lender, and loan product.
Commonly requested documents include
Australian driver's licence, passport, or other accepted identification.
Profit and loss, balance sheet and BAS statements.
Statements showing your income, savings, and financial commitments.
Details of existing loans, credit cards, investments, savings, and other assets.
Business and personal returns, usually the last two years.
A contract of sale, property address, or other relevant details when available.
Business financial statements, residency documents, or other supporting evidence where required.
Our team can help you identify the documents needed for your application and explain how to prepare them.
Ready to buy, or expand your commercial property? Book a free, no-obligation consultation with Ricky and the team. Visit us at B6/406 Marion St, Condell Park, or call us Mon-Sat, 7:00am-5:00pm.
An owner-occupied loan is for a business buying the property it operates from. An investment loan is for buying property to lease to tenants. Lenders assess them differently, which can affect your rate, deposit and borrowing limit.
It usually takes longer than a home loan, because of the valuation, lender checks and legal documents. The timing depends on the lender and how quickly documents are provided. We keep you updated at each step.
Interest rates are generally higher than residential mortgages, and maximum loan-to-value limits are lower. The exact rate depends on the property, your deposit and your business. We compare lenders so you can see real options.
Our service is usually provided at no direct cost to you because the lender pays us a commission after settlement. Fees may apply in some circumstances, and we’ll explain any applicable charges before you proceed.
We can help with a range of commercial property, such as offices, shops, warehouses, industrial units, mixed-use buildings and many more. property type.
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