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
“Dylan and his staff have been fantastic, they have made the process very easy and stress free. They walk through everything with you from start to finish and guide you to the best options. Thank you guys much appreciated”
Paul Coleiro
Google review, 22 Sept 2026
“Dylan and the Stryve Team have been so amazing during our search for a first home. Dylan was so communicative, patient and knowledgable and kept us updated throughout the whole process. I can’t recommend them enough!”
Michael O'Malley
Google review, 30 Aug 2026
“My partner & I have had a fantastic experience with Stryve Finance. Dylan and Douglas were incredibly helpful, responsive and supportive throughout the entire process. We’re very grateful for their help and would highly recommend Stryve to anyone looking for a reliable and knowledgeable mortgage broker.”
Tanvi Mara
Google review, 19 Aug 2026
“Dylan and the team at Stryve are exceptional. He made the process so easy to understand and helped secure the loan I was after. A special mention to how efficient the team are and can move things really quickly when needed. Can’t thank them enough for everything they’ve done. Strongly recommend if you’re looking for a first class mortgage broker!”
JAMES HARVEY
Google review, 18 Aug 2026
“Dylan and the team at Stryve made the pre approval process feel exciting and easy as it should! Cannot recommend them enough”
Alexia
Google review, 18 Aug 2026
“Dylan and the team from Stryve are absolutely incredible. So grateful we have Dylan as our broker, he explains things very clearly, and has always been very reliable and dependable if we have ever had any questions - incredible customer service where you feel really taken care of, heard and supported. Stryve have their finger on the pulse when it comes to their knowledge of the current market and the lenders to go with. I highly recommend going with these guys as your brokers, especially with navigating the current climate!”
Hollie
Google review, 12 Aug 2026
“Dylan has done a sensational job in helping me achieve my dream of purchasing a property. He has always been prompt in responding to my numerous enquiries, supporting me and guiding me through the whole process. Dylan and the stryve team have conducted themselves very professionally with brilliant results, I would recommend them to anyone in need of a broker. Dylan has been a pleasure to deal with, Thank you for everything.”
Deborah Chouart
Google review, 12 Aug 2026
