Links Property Finance · Investment property mortgage broker, Sydney: Commercial Property Loans in Sydney

Plan around 20–35% of the purchase price plus costs, depending on the property type and the strength of the file, standard suburban commercial sits at the friendlier end, specialised premises at the tougher end.

Existing equity in other property can sometimes stand in for cash, which is a structuring conversation worth having early.

Yes. Since 10 August 2026, business real property such as commercial premises is the only property an SMSF can buy with a new limited recourse borrowing arrangement. SMSF lending is specialised and regulated, so start with your financial adviser and accountant.

If an SMSF purchase is on your mind, the sequence starts with your financial adviser and accountant; we can then speak to the lending side of what they design.

Often, though going-concern and other treatments can change the answer, it's an accountant's question with a big cash-flow consequence, because the lending needs to be sized for the GST position from the start, not discovered at settlement.

We flag it in every commercial file precisely so it lands on the right desk early.

Because commercial pricing is built per deal: security quality, lease strength, loan size, borrower financials and lender appetite all move it.

Two borrowers buying similar buildings can receive noticeably different terms, which is why commercial files reward a broker who prices the deal across multiple lenders rather than accepting the first indication.

Yes, but the loan depends on the floor-area split: some lenders assess mixed-use property residentially with conditions, others as commercial, which changes the deposit, the rate and the term.

The answer changes the deposit, the rate and the term, so the property should be matched to the lender before the contract, not after.