Commercial property loans
A commercial property loan is a loan to buy a shop, office, warehouse or factory. Lenders look at it in a different way to a home loan. It helps to use a broker who knows how they work.
How it is different from a home loan
With a home loan, the lender mostly looks at you. With a commercial loan, the lender also looks hard at the building.
They want to know who rents it, how long the lease runs and how strong the tenant’s business is. Most lenders also ask for a bigger deposit than they would for a home.
What lenders look at
How long it has left to run, and when the rent goes up.
What the business does, and how long it has been there.
Its type, its spot and how easy it would be to rent again.
Your income, your other loans and your deposit.
Where we lend
We lend in every state. That includes New South Wales, Victoria, Queensland and Western Australia. We lend in the ACT, South Australia, Tasmania and the Northern Territory too.
Julia Bonato leads our lending team. Many of her clients are self-employed. Lenders find their income harder to read.
Buying too
In Victoria and Queensland, the same team can find the building for you. Then the loan and the search run on one plan, with one person to call.
Common questions
How is a commercial property loan different from a home loan?
The lender looks at the building as well as you. They look at the lease, the tenant and the type of building. Most lenders ask for a bigger deposit than for a home.
Do you set up commercial loans in Sydney, Brisbane and Perth?
Yes. We lend in every state. That includes New South Wales, Queensland and Western Australia.
Can I get a commercial loan if I am self-employed?
Lenders differ on how they read self-employed income. We look at your file first, then go to the lenders that fit it.
How is a commercial mortgage broker paid?
For commercial loans we charge an engagement fee. It depends on the work involved, and we agree it in writing before we start. Lenders also pay us a commission when a loan settles. We tell you about both up front.
Hive Wealth Co is a commercial buyer’s agent and mortgage broker in Australia. One team finds the building and sets up the loan. You deal with one person the whole way. Based in Victoria. We work across Australia. 1300 079 735
General information only. It does not consider your objectives, financial situation or needs. HIVECAP Pty Ltd (ABN 55 680 531 622) is a credit representative (Credit Representative Number 000563322) of Connective Credit Services Pty Ltd, Australian Credit Licence 389328. © 2026 Hive Wealth Co. Privacy policy