Commercial property loans:
one property, multiple ways to fund.
Buying, refinancing or leveraging equity in a commercial property runs on different rules than a home loan, different rates, different loan-to-value limits, different lenders entirely. We compare 50+ lenders to structure it properly from the start.
Purchase, refinance or equity release
Specialist lenders for non-standard properties
Structured around your business, not just the asset
Based on 250+ reviews
Elite Broker Winner 2024 & 2025
We compare your rates with 50+ lenders
- Why Stryve for commercial property funding
Commercial Lending Rewards Preparation, Not Speed.
Commercial property doesn't get assessed like a home loan. Lenders look at the property type, its use, the tenancy or trading income behind it, and how it fits their risk appetite, which varies enormously from one lender to the next. A warehouse, a strata office, and a mixed-use site can all get wildly different terms depending on who you ask.
We work out what the property and your business can support before we approach anyone, then go to the lenders whose appetite actually matches. That upfront groundwork is what keeps a commercial purchase or refinance from stalling halfway through, no resubmitting, no surprise valuations killing the deal late.
Every property type considered
Warehouses, offices, retail, strata and mixed-use, we know which lenders actually want each type, not just the one that said yes.
LVRs that reflect reality
Commercial loan-to-value limits vary by property and lender. We match you to the ones offering the best fit, not just the first yes.
Groundwork before applications
We assess the deal properly upfront, so you're not resubmitting or renegotiating halfway through settlement.
How commercial property funding works in your favour
Priced on the property, not the postcode
Banks often price by suburb or asset class alone. We compare lenders who assess the actual property and income behind it.
Higher LVRs where the deal supports it
Standard bank limits aren't the ceiling. Specialist commercial lenders will go further when the numbers stack up.
Purchase, refinance or equity release
Whether you're buying, switching lenders, or freeing up equity to expand, the same comparison process applies.
No deal killed by a late surprise
We flag valuation and zoning risks upfront, before you're locked into a contract or paying for a report that goes nowhere.
Commercial property loan rates: how they differ from a home loan
Commercial lending runs on its own rulebook. Knowing where the differences sit, rates, deposits, terms, is what stops a purchase stalling at valuation. As a commercial mortgage broker we compare across banks and specialists, not one lender's book.
The market's lowest secured rates, heavily regulated and comparable.
Higher, priced deal by deal on property type, tenancy and the strength of your business.
The market's lowest secured rates, heavily regulated and comparable.
Higher, priced deal by deal on property type, tenancy and the strength of your business.
Up to 95% LVR with LMI.
Typically 65-80% LVR, so a 20-35% deposit or equity, varying by property type and lender.
Up to 95% LVR with LMI.
Typically 65-80% LVR, so a 20-35% deposit or equity, varying by property type and lender.
Up to 30 years is standard.
Usually 15-25 years, sometimes with periodic reviews.
Up to 30 years is standard.
Usually 15-25 years, sometimes with periodic reviews.
Fast, often automated, low cost.
Full commercial valuation, paid by the borrower, and often the step that decides the deal.
Fast, often automated, low cost.
Full commercial valuation, paid by the borrower, and often the step that decides the deal.
Every lender wants this loan.
Appetite varies enormously; the right lender depends on the property, not the postcode.
Every lender wants this loan.
Appetite varies enormously; the right lender depends on the property, not the postcode.
Why Business Owners Choose Stryve
Commercial lending has more moving parts than a standard loan. We compare the market so the structure fits the property and the deal, not the other way around.
Lenders you won't find yourself
Beyond the major banks, we deal directly with commercial specialists most owners can't access on their own.
Complexity isn't a dealbreaker
Mixed-use, strata, vacant possession, tenanted. Unusual structures don't rule you out, they just narrow the shortlist.
Advice before a sales pitch
If a deal doesn't stack up, or a different structure would serve you better, we'll say so, even if it costs us the sale.
Not sure what structure fits your property?
We'll compare it against secured options too, no obligation.
Book an expert callHow Your Commercial Property Loan Gets Funded In 5 Steps
Commercial lending takes more upfront assessment than a home loan, but that's what protects you from a deal falling over late. Here's how we take a property from first enquiry to settlement.
Getting the property and lender fit right upfront means fewer surprises at valuation, and a much smoother run to settlement.
01
Tell us about the property
Type, use, purchase or refinance, and what you're trying to achieve. This narrows down which lenders are even worth approaching.
02
Matched to lender appetite
Not every lender wants every property type. We shortlist the ones whose criteria genuinely fit this deal.
03
Numbers stress-tested early
We check serviceability and likely LVR before you're committed, so valuation day doesn't bring a bad surprise.
04
Offers compared side by side
Rate, LVR, fees and loan structure laid out together, so you can see the real cost of each option.
05
Settlement without surprises
Once you accept, we manage the process through to funds, so nothing gets missed at the finish line.
What our customers
say about us
“Nate and Dylan were extremely helpful in helping us secure our new home. They were easy to contact from day one, and answered any questions we had. We felt reassured at all times and are very grateful for their patience with us. I have recommended Stryve to 3 friends now who have all been successful in achieving their goals of purchasing their homes. We are so happy with the service and will definitely keep on recommending Stryve to our family and friends.”
Whitney Tran
Homeowner
“I never had a problem with Dylan. From the start of our journey on mortgage til the very end and even with refinancing, he/they were very helpful, transparent, honest and really keen to help their clients! Highly recommended.”
Cristianne Del Valle
Homeowner
“On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. We highly recommend Dylan to all our family and friends.”
Merna Yalda
Homeowner
“Nate is great to work with, very knowledgeable, responsive and genuinely invested in helping me find the right solution. Highly recommend this firm to anyone looking for reliable, competitive and professional brokerage services.”
Julia
Homeowner
“Dylan has not only been a longtime friend, but also the trusted mortgage broker of choice for my family. He answers the phone at all hours, communicates extensively through all steps of a sometimes-complicated process and manages my risk. He has a straight to the point approach which I appreciate. Simply gets the job done, and gets it done very quickly. Thanks for everything Dylan, you're a champion broker and a good mate.”
Christian Barać
Homeowner
“Nate and Dylan were the ultimate professionals in securing a home loan to help us purchase our first home! Following the purchase of our home, they have continued to provide their exceptional service and have been able to secure two rate reductions in six months! Being self-employed wasn't an issue for me as Nate knew the process back-to-front and was able to provide sound advice throughout the application process.”
Justin Tomas
Homeowner
“It was an absolute brilliant experience with Stryve. Our first purchase was with Dylan he was always clear re: the next steps, quick to respond, never tired of questions and went over and above with communication. We went back and used him again for our next investment and the experience was just as wonderful as the first. Stryve also reviews our loans every 6 months to make sure we are getting the best rates on offer. We couldn't ask for more!”
Amber Motii
Homeowner
