A commercial loan funds business premises, investment property such as offices, retail, industrial or warehouse space, or general business purposes secured against commercial real estate.

Assessment differs from residential lending. Lenders focus on the lease profile, tenant quality and remaining term alongside your financial position. Terms are shorter, often three to fifteen years, and many facilities are reviewed periodically rather than set and forgotten.

Logan has an active commercial market, driven by its position on the Brisbane to Gold Coast freight corridor. Industrial and warehouse stock through Slacks Creek, Meadowbrook, Berrinba, Crestmead and the Yatala corridor sees the most transaction volume.

Cube Home Loans compares 60+ lenders including specialist commercial funders. See our commercial loans page or call 1800 774 756.

Commercial lending requires more equity than residential. Most lenders cap borrowing at 65% to 70% of value, meaning a 30% to 35% deposit plus purchase costs.

Some will extend to 80% where the property is standard, well-tenanted and in a strong location, or where additional residential security is offered. Using equity in a Logan home is a common way to bridge the gap, and often the difference between transacting this year and waiting three.

Property type drives the outcome more than most buyers expect. Standard industrial and retail stock in established Logan precincts is treated far more favourably than specialised assets such as service stations, childcare centres or accommodation, which attract lower lending ratios across the board.

We identify which lenders treat your asset class most generously before you commit to a contract.

Commercial rates are priced individually rather than published, so there is no advertised figure to compare. Pricing reflects the loan to value ratio, property type, lease strength, loan size and your financial position.

A well-tenanted industrial property in an established Logan precinct with a long remaining lease at a 60% lending ratio will price sharply. A vacant or specialised asset at a higher ratio will not, and the gap between those two outcomes is wide.

Commercial rates generally sit above residential, and facilities often carry line fees or annual review fees that materially affect true cost.

Because pricing is negotiated, how the application is presented matters. We package commercial submissions properly and take them to multiple lenders to create competitive tension rather than accepting the first number offered.

Yes, and it is one of the more common commercial strategies in Logan. Buying your own warehouse or workshop rather than leasing converts rent into equity and gives you control over tenure, which matters in a tight industrial market like Yatala and Berrinba.

Owner-occupied commercial lending is often assessed more favourably than investment commercial lending, because the lender is looking at your trading business rather than a third-party tenant. Some lenders will lend to a higher ratio on that basis.

A further option is purchasing the premises through your self-managed super fund and leasing it back to the trading entity, which has its own rules and lending ratios. See our SMSF loans page.

Talk to Nevada Matthews and the team on 1800 774 756.