Commercial Property Loans
Strategic lending for business owners, investors, and portfolio builders
When Does a Commercial Property Loan Make Sense?
A commercial property loan is tailored to help individuals or businesses purchase property used for commercial purposes, for e.g. offices, warehouses, factories, retail shops, and mixed-use spaces. These loans are structured differently from standard residential loans, offering unique advantages and considerations around loan terms, deposit requirements, rental income potential, and tax implications.
Whether you’re a business owner seeking security of location or an investor looking for long-term income, commercial lending can unlock serious growth potential.
Who Commercial Property Loans Are For
No matter your background or business model, FYX Finance helps you structure your loan strategically.
Business owners
Looking to purchase their operating premises
Investors
Aiming to diversify their portfolio with longer leases and higher yields
Developers
Securing commercial sites for future build or subdivision
Expats or non-residents
Investing in Australian commercial real estate
Key features of FYX Finance Commercial Property Loans
Loan terms up to 25 years
Flexible repayment options including interest-only and P&I
LVRs up to 75% depending on the property type and purpose
Competitive fixed and variable interest rates
Low doc and alt doc options for self-employed or non-traditional borrowers
Private lending pathways for complex or time-sensitive deals
Loan structures we support
Buying in your business name
This allows your business to directly own the property, which can later be used as equity for other ventures or to secure additional funding.
Buying in your personal name or SMSF
Own the property personally and lease it to your business. This builds your personal wealth while giving your company long-term use of the space.
Buying through a trust or partnership
We guide you through layered ownership models if you’re structuring the purchase through a trust, company, or joint investment.
Commercial Loans for Investors
Commercial properties offer attractive investment opportunities—but they work differently from residential.
Longer lease terms:
Typically 3–10 years, offering consistent income
Tenant pays many outgoings:
Repairs, maintenance, and council rates often sit with the lessee
Higher returns:
Net rental yields tend to outperform residential
Higher vacancy risks:
It may take longer to find new tenants
Market volatility:
Returns can fluctuate based on local economic activity
Commercial Loans for Owner-Occupiers
Owning your premises gives you long-term control, equity growth, and potential tax advantages. Instead of rent, you’re building wealth in an appreciating asset—while maintaining stability for your business.
We help you:
Evaluate purchase vs. leasing
Align loan repayments with your cash flow
Leverage equity for future expansion
Set up smart exit strategies or resale paths
What can you use a commercial loan for?
Commercial Property Loan Options
What You’ll Need To Apply
Every lender is different, but typical requirements include:
Property details and purpose
Lease agreements (if tenanted)
Business financials or personal income documents
Proof of deposit
Entity structure documentation (e.g. company, trust, SMSF)
Let's move forward together
Our team helps you compile, prepare, and present your application to maximise approval potential.
FYX Finance: Built for Borrowers Who Think Ahead
We’re not just about getting a loan approved—we’re about getting the right loan for where you’re headed next.
Personalised support from first inquiry through to settlement and beyond
Deep knowledge of commercial markets and business borrowing
Independent mortgage manager with access to a wide lender network
Non-bank flexibility and private lending pathways
Let’s Talk Commercial Strategy
Ready to buy, build or invest in commercial property?
FYX is here to guide you through it—strategically and stress-free.
