Investing in commercial property is a strategic move for business owners looking to expand. It provides long-term stability and the potential for significant returns. Unlike residential property loans, commercial property lending has unique benefits, such as longer leases, potential rental income, and a growing property portfolio that strengthens your business assets.
At Ausfirst Lending Group Mortgage Brokers, we specialise in commercial property loans that help Australians confidently buy commercial property. Whether you’re purchasing business premises, expanding into standard commercial properties, or acquiring industrial or retail space, we offer loan options with competitive commercial property interest rates and flexible loan terms to match your financial situation.
Our commercial loan solutions consider key factors like loan-to-value ratio (LVR), purchase price, and cash flow, ensuring that business borrowers secure the right lending options with minimal lender’s risk. We also assist with commercial valuations, financing through a self-managed super fund (SMSF), and overcoming bad credit history, so you can invest in the right commercial property investment without unnecessary hurdles.
Ready to expand your business? Get in touch today to explore the right finance solutions for your next commercial property purchase.
Time is money. That’s why we’ve redefined the mortgage and property loans process with a seamless, digital-first approach tailored to your financial situation. Whether you’re securing a home loan, investing in commercial property, or expanding your property portfolio, we offer lending options designed for flexibility and ease.
Our commitment to transparency means you receive clear, accessible guidance at every step. We will help you navigate loan applications, compare interest rates, and find the right loan terms for your goals.
We prioritise financial literacy, sustainable growth, and smart investment strategies to ensure you make informed decisions. From residential property loans to commercial loan options, we collaborate with most lenders to provide competitive finance solutions that minimise fees and maximise returns.
Let Ausfirst Lending guide you through a modern approach to commercial property lending. Invest with confidence and build a secure financial future.
A commercial property loan is a specialised finance option for business owners and investors looking to purchase commercial real estate. Unlike residential property loans, which are primarily for homebuyers, commercial property lending is used to acquire business premises, expand a property portfolio, or secure an income-generating investment.
These business loans function similarly to home loans. A lender provides funds to purchase the property, and the borrower repays with interest over an agreed term. However, commercial property loans generally come with higher interest rates, stricter loan-to-value ratio (LVR) requirements, and a need for a larger deposit due to the higher risk associated with commercial property investment.
To ensure a smooth application process, it’s essential to understand the key requirements lenders typically assess:
Applying for a commercial loan is a significant financial commitment that requires careful planning and a clear understanding of the lending landscape in Melbourne.
Lenders assess multiple factors, including cash flow, business stability, and loan-to-value ratio, to determine borrowing capacity. Commercial project financing often involves a larger deposit, higher interest rates, and more stringent lending criteria. Knowing how these elements impact repayments can help you structure your loan effectively.
Melbourne also has specific zoning regulations, property use restrictions, and tax considerations that may affect your investment. Understanding these legal and financial obligations before committing to a commercial property purchase will ensure a smooth transaction and help you avoid unexpected costs.
At Ausfirst Lending, we guide business owners through every step of the commercial property lending process, ensuring you secure a loan that aligns with your financial situation and investment goals. Speak with our experts today and take the next step towards a smarter investment.
Securing the right loan should be a personal journey, not a transaction. That's why when you choose us, you deal directly with Richard, the founder, who brings over 30 years of hands-on experience managing diverse loan projects across Queensland.
Unlike larger brokerages where you become just another file number, Richard personally oversees every client's loan process—whether you're purchasing your first home, refinancing, expanding your investment portfolio, or acquiring commercial equipment. His extensive industry knowledge ensures you receive tailored advice, a smooth application experience, and solutions that align with your long-term financial goals.
We’re not just mortgage brokers; we’re your trusted lending partners. With a commitment to transparency, accessibility, and genuine care.
In other words, you are not passed between departments—you are looked after by someone who treats your financial success as his own.
Speak to Richard Today →Whether you're buying your first home, refinancing, or exploring loan options through a trust or SMSF, we’re here to guide you every step of the way. As your trusted Mortgage Broker on the Sunshine Coast, we offer personalised advice tailored to your needs.
Location: Suite 3/74 Bulcock St, Caloundra QLD 4551
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We provide a wide range of lending options designed to suit different property goals, financial situations, and investment strategies. Whatever your needs, our team is here to guide you to the right loan solution.
For buyers and homeowners managing their own property needs.
Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.
Start Your First Home Journey
Finance your next property with ease using our second home loan options.
Finance Your Next Property
Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.
Use Equity
Review and enhance your current mortgage terms with our refinancing options, designed to save you money.
Refinance and Save
Adapt your mortgage to suit your changing life circumstances with ease.
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Bridge the gap between buying and selling with short-term loan solutions.
Bridge Your Finance Gap
Explore our investment loan solutions designed to help you build and grow your property portfolio.
Start Investing Now
Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.
Use SMSF to Invest
Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.
Finance with Trust Structure
Unlock exclusive lending opportunities tailored for sophisticated investors ready to scale.
Access Advanced Lending
Live where you love and invest where it counts with our rentvesting strategies.
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Own your dream holiday retreat with our tailored holiday home loan solutions.
Buy a Holiday Home
Transform your property with renovation loans tailored for projects of any size.
Upgrade Your Home
Finance eco-friendly homes or upgrades with our green loan products.
Go Green with Financing
Save thousands by avoiding Lenders Mortgage Insurance with our waived options and find out about our unique loan strategies.
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Tailored for self-employed professionals and business owners who may not have traditional income verification.
Simplified Documentation Loans
Take advantage of a 100% Offset Home Loan to minimise the interest you pay by linking your savings directly to your mortgage.
Reduce Interest
With a Family Guarantee Home Loan, your parents or close family members can help you enter the property market by using their home equity as security.
Leverage Family SupportWe provide tailored lending options for healthcare workers, educators, tradespeople, legal professionals, and business owners—designed to suit the way you earn and work.
At Ausfirst Lending Group, we understand that medical and healthcare professionals need more than just a loan—they need a lending partner who appreciates their unique journey. Whether you're a doctor, nurse, dentist, or allied health specialist, we provide tailored home loan solutions with personal guidance, LMI waivers, and flexible options that fit your career and lifestyle. With Richard’s 30+ years of hands-on broking experience, we ensure your loan process is managed with care, transparency, and expertise from start to finish
Designed to accommodate complex income structures like private practice, hospital rosters, and ABNs.
Get Doctor-Specific Rates
Flexible loan terms aligned with shift work schedules and frontline service benefits.
Explore Nurse Options
Mortgage options that recognise the cash flow patterns of clinic-based professionals.
Chiropractic Lending Solutions
Lending solutions tailored for high-earning professionals with private practice considerations.
Tailored Loans for Dentists
Customised loans for optometrists balancing practice ownership and salaried roles.
Explore Optometrist Packages
Designed to support pharmacists navigating retail, hospital, or business ownership income structures.
Mortgage Options for Pharmacists
Tailored lending for physiotherapists in private clinics or mobile practices.
Loans Designed for Physio
Loan programs suited to private practice psychologists and those in multidisciplinary clinics.
See Psychologist Lending BenefitsEducators play a vital role in shaping future generations, and we’re here to ensure their home loan journey is just as rewarding. Whether you're a school teacher, early childhood educator, university lecturer, or support staff member, we offer home loan solutions designed to recognise your dedication to the community. From exclusive lending benefits to flexible loan structures, we simplify the process so you can focus on what you do best—teaching and supporting others.
Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.
Discover Teacher ProgramsFor those who serve and protect—whether in law enforcement, emergency services, legal professions, or defence—navigating the home loan process should be as straightforward as possible. We offer tailored mortgage solutions that acknowledge the unique demands of your profession, providing structured lending benefits, flexible options, and personalised support.
From police officers and firefighters to lawyers and defence personnel, we’re here to simplify your path to homeownership with solutions designed around your service.
Structured home loans for legal professionals with scalable borrowing capacity as careers progress.
See Legal Lending Benefits
Reliable mortgage options designed for law enforcement with steady service incomes and allowances.
Secure Police Offers
Flexible lending for self-employed tradies with fluctuating incomes and contractor work history.
See Tradie Home Loans
Flexible lending tailored to business owners and freelancers with variable documented income.
Apply as Self-Employed
Structured loan solutions designed for accountants with layered income sources and business deductions.
See Accountant Lending Solutions
Lending options structured for engineers with contract-based or salaried employment structures..
Loan Packages for EngineersWe begin by understanding your unique goals and needs through an initial consultation (via phone, Zoom, or in person).
We gather key information to validate your financial situation and lay the foundation for the right loan strategy.
We carefully review your options and craft a lending strategy tailored to your specific needs and objectives.
We prepare and submit your application to the lender, ensuring everything is in order.
We manage the settlement process, keeping you informed every step of the way and making sure everything proceeds seamlessly.
We provide continuous support and review, offering updated loan options as your needs evolve over time.
Ausfirst Lending Group is proud to be recognised as a finalist in the 2024 Sunshine Coast Business Awards under the Professional Services category, showcasing our commitment to excellence and dedication to serving the community with integrity and expertise.
Most lenders require a deposit of 20-30% of the property’s purchase price, depending on the loan-to-value ratio (LVR). Some high-risk properties may require a larger deposit.
Interest rates vary based on the lender, property type, and borrower’s risk profile. Generally, commercial loans have higher interest rates than residential mortgages, starting at around 4% and going up.
Yes, but it may come with higher interest rates and stricter lending conditions. Some non-bank lenders offer options for borrowers with bad credit.
Not necessarily. While many borrowers are business owners, investors can also apply for commercial loans if the property is leased to businesses.
You can finance office buildings, warehouses, retail shops, industrial properties, and mixed-use developments, depending on the lender’s criteria.
We don’t just find you a loan that fits; we aim to get one that exceeds your expectations in terms of rates, options, and service.
We work with over 40 lenders, including big banks and non-bank lenders, giving you unparalleled mortgage choice—you have plenty of options to choose the most suitable home loan for you.
Our team is dedicated to guiding you throughout your homeownership journey, whether it’s securing your first home or an additional investment property. We provide ongoing support, including a 6-month review process to keep your loan competitive.
Every mortgage broker on our team has over 10 years of industry experience, ensuring expert advice every step of the way.
We tailor home loan solutions that prioritise your best interests, not the bank’s.
Our entire process is transparent and easy to understand, making the entire journey hassle-free.
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Ausfirst Lending Group Australian Credit Licence Number: 387366 | ABN: 68 845 798 048
Finsurance Pty Ltd t/a Ausfirst Lending Group credit representative number 414391. Finsurance Pty Ltd is a credit representative of Oshawa Pty Ltd Australian Credit Licence number 387366. AFCA 42404
Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product.
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