Unlike home loans, commercial lenders focus on the property’s income, not just your personal salary. There is no Lender’s Mortgage Insurance (LMI), so you generally need a 30–40% deposit. Loans also have shorter terms (5–15 years) and are reviewed every 1–3 years. LoanBrix helps you navigate these stricter requirements so you don’t get caught off guard at settlement or annual review time.

Yes. Commercial lending offers flexible income verification. If you don’t have full tax returns, we can use:

• Lease Doc: Relies solely on the rental income from the property.

• Low Doc: Uses BAS statements or an accountant’s letter.

These options often have slightly lower LVRs, but they allow self-employed Melburnians to secure finance without refinancing their home.

We finance a wide range of commercial and specialised assets, including:

• Industrial: Warehouses, factories, cold storage (E.g., in Tullamarine, Dandenong, Laverton)

• Office: CBD, fringe, suburban corporate parks

• Retail: Bulky goods, shopping villages, high street shops

• Specialised: Childcare centres, medical practices, motels, petrol stations, caravan parks

• Commercial Development: Land subdivisions, townhouses, residential flat buildings (3+ units)

If you’re unsure whether your property qualifies, please reach out to us and we’ll be happy to assist you.

DSCR (Debt Service Cover Ratio) measures whether the property’s income covers the loan repayments. Most lenders require a minimum DSCR of 1.25x, meaning the income must be 25% higher than the repayment.

Example: If your repayment is $100,000 per year, the property needs to generate at least $125,000 in net income. LoanBrix structures deals to meet this ratio, even if the lease is slightly below market value.