COMMERCIAL LOANS

Buying a property means finding the right home loan, not just any loan, one that actually fits your income, your goals, and your plans for the property. That’s harder to get right alone than it sounds, which is exactly where the right help matters.

At Lendwise, we help first home buyers, homeowners refinancing, and property investors across NSW find a home loan that actually works for them. Instead of settling for one bank’s product, you get real home loan options compared across our lender panel, explained in plain English, not finance jargon.

Whether you’re buying your first home, upgrading, or growing an investment property portfolio, we handle the loan comparison, the paperwork, and the pre-approval process, so you end up with a home loan that actually fits your life.

What This Matters

Commercial lending isn’t assessed the same way a home loan is. Lenders look at the property type, tenant quality, lease terms, and how the finance will be used, not just your income. A CBD office, a suburban warehouse, and an SMSF-owned property can all be assessed completely differently, even at a similar loan size.

Many banks only lend against their own narrow criteria, which can rule out a deal another lender would happily approve. Commercial loan terms, security requirements, and lender appetite vary far more than they do with a standard home loan, so getting the structure wrong can affect your cash flow and your options for years, not just months.

01

Submit Your Enquiry

Tell us about the property or deal you're financing and a bit about your business. It only takes a few minutes.
02

Discuss Your Options

We walk you through what's realistic for your situation, in plain English, based on the actual deal, not a generic estimate.
03

Application & Approval

We prepare your commercial loan application and deal with the lender directly, including any valuation or documentation the lender requires.
04

Receive Your Funds

Once approved, we stay involved through to settlement, so nothing gets missed at the last step.

Why Choose Lendwise for Your Home Loan

Real commercial loan options, not one lender's checklist.

We compare a panel of commercial lenders, including banks and specialist non-bank lenders, so a deal that doesn't fit one lender's criteria still has somewhere to go.

One point of contact, start to finish.

You deal with the same contact for your commercial loan from the first conversation through to settlement, not a different person at every stage.

Fees explained upfront.

In many cases, we're paid by the lender once your commercial loan settles. If that's different for your deal, we'll tell you clearly before you commit to anything.

We stay involved after settlement.

Commercial finance often needs revisiting as a business grows or a lease changes, so we check in rather than disappearing once the loan is funded.

Why Choose Lendwise for Your Home Loan

Business owners buying or refinancing the premises their business operates from
Property investors purchasing commercial or mixed-use property as part of a wider portfolio
SMSF trustees looking to purchase commercial property through their super fund
Businesses funding growth, including fit-out, expansion, or a purchase tied to new equipment or premises

Frequently Asked Questions

What is a commercial loan?

A commercial loan is finance used to buy, refinance, or develop property or assets for business or investment purposes, rather than a home to live in. Lenders assess commercial loans differently to home loans, usually looking closely at the property type, tenant or lease details, and how the finance will be used.

What's the difference between a commercial loan and a home loan?

Commercial loans are generally assessed on the property and the deal itself, not just your personal income, and they often come with shorter loan terms and larger deposit requirements. Lender criteria also vary more between commercial lenders than they do for standard home loans.

Can I use my SMSF to buy a commercial property?

In many cases, yes, through a properly structured SMSF loan, and in some situations a related business can even lease the property from the fund. SMSF lending is more specialised than standard commercial lending, so fewer lenders offer it, and eligibility requirements are usually stricter.

How much deposit do I need for a commercial loan?

It depends on the lender, the property type, and how the loan is structured, though commercial loans often require a larger deposit than a home loan. Rather than rely on a general rule of thumb, we can talk through what's realistic for your specific deal.

Is it better to use a commercial loan broker or go straight to a bank?

A bank can only lend against its own criteria, which can rule out a deal another lender would approve. A commercial loan broker compares a panel of lenders, including specialist non-bank lenders who often deal with exactly this kind of finance, so you're not stuck with one lender's answer.

Do you help with commercial finance after settlement?

Yes. Commercial finance often needs revisiting as a business grows, a lease changes, or a property is refinanced, so we stay in touch rather than treating settlement as the end of the relationship.