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Commercial Investment Property Loans.

Invest in Comercial Properties.

Why Invest in Commercial Property?

Commercial properties include spaces used for business operations — such as offices, warehouses, and factories. These investments often deliver stronger rental returns than residential properties, but they can also come with a little more risk.

At LoanBrix, we make sure you understand both sides of the equation. Our brokers take the time to walk you through your options, explain the differences, and help you secure a loan that fits your goals.

While residential property is often known for capital growth, commercial property stands out for its income potential — and when done right, it can be a rewarding addition to your investment portfolio.

Advantages of Investing in Commercial Property

  • Higher rental yields: Commercial properties typically generate stronger returns than residential investments.

  • Lower maintenance costs: Depending on the lease, tenants often cover maintenance and outgoings, saving you ongoing expenses.

  • Tax benefits: Depreciation claims can add up to significant tax savings over time.

  • Stable, long-term income: Commercial leases are usually longer, providing consistent and predictable rental income.

  • Built-in rent increases: Most leases include fixed annual rent rises, often between 3–4%.

Disadvantages of Investing in Commercial Property

  • Stricter lending criteria: Lenders generally see commercial property as higher risk, so approvals can be more complex.

  • Higher upfront costs: A larger deposit is usually required.

  • Tenant turnover: Finding the right tenant can take time, especially in specialised sectors.

  • Shorter loan terms: Commercial finance often comes with shorter repayment periods.

  • Variable interest rates: Rates may differ — and can be higher than for standard home loans.

Why Choose LoanBrix?

At LoanBrix, we simplify the process and help you navigate the challenges confidently. Whether you’re expanding your portfolio or buying your first commercial asset, our team will guide you every step of the way — from loan structuring to settlement.

Find out how much you can borrow

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54 Lending Partners

We have relationships with all the major financial institutions and are constantly reviewing new and innovative loans to help provide you with the best possible solution.

Five Star Rated

We have over one hundred 5 Star ratings from clients on our Google business profile. We pride ourselves on customer service, and aim always to provide the best possible experience.

MFAA Member Since 2009

To become a member, individuals must meet specific requirements, including professional qualifications, a good character, and holding an Australian Credit Licence (ACL) or being a Credit Representative.

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Can I use my home equity to buy an investment property?

Yes! You can use your home equity in place of a cash deposit to buy an investment property. If you have questions on how you can do this, don’t hesitate to speak with one of our brokers.

How much can I borrow for an investment property loan?

The amount you can borrow for your investment property loan will depend on your current situation; how many people you live with, how much you earn, expected rental income, current expenses along with borrowing history and credit score. However, you can borrow up to 90% of the property’s value without using your home equity as a deposit. To accurately assess how much you can borrow, be sure to contact one of our brokers.

What costs are involved in an investment property loan?

For your investment property loans, you can expect costs that vary. You will need to save a deposit, which we recommend be at least 20% (avoiding the lender’s mortgage insurance), along with the repayments of the loan itself. This will depend on the lender you choose, but Mortgage Broker Melbourne is sure to get you the best deal on your loan. Additionally, there are often loan establishment fees that your lender will charge for processing the documentation. Ongoing loan fees and interest payments are also costs to consider, as they are the ongoing costs of loans. You should also look out for property loan break costs if you opt for a fixed loan; they only apply when leaving the loan before the fixed-rate term ends. However, we don’t charge any fees for our service! We will provide you with expert advice to ensure you get the most out of your investment property loan.

Investment Property FAQs