What LVR is achievable on a strata medical suite in Chatswood?

65–70% on a lease doc basis with an established tenant on 5+ year WALE. SMSF LRBA acquisitions typically transact at 65% LVR. Suites without a tenant in place trade as asset-lend at 55–60% LVR with a re-let timeline factored in.

Can I borrow against an unleased Chatswood office floor?

Yes, on an asset-lend or stretch-senior basis at 55–65% LVR. Specialist non-bank lenders will provide a 6–12 month re-letting runway. The strong tenant absorption history in the suburb makes lenders relatively comfortable with vacancy exits here.

Are mixed-use podium strata acquisitions in Chatswood bankable?

Yes, but lender selection is critical. Roughly 10 of 35 lenders write strata commercial confidently and price competitively; the rest decline or apply punitive LVR haircuts. Tendering the deal across the right subset usually changes the outcome materially.

What is the pricing on a $2m Chatswood retail strata acquisition with a national franchise tenant?

Indicatively 6.5–7.2% p.a. lease doc senior at 65% LVR with major-bank or second-tier bank pricing in 2026, subject to tenant covenant, WALE, and sponsor financials. SMSF LRBA pricing on the same asset indicatively 7.4–7.9%.

Chatswood, NSW

Commercial Property Loans in Chatswood

Chatswood is the largest non-CBD office market on Sydney's North Shore — and one of the most reliably bankable commercial submarkets in the country. A captive professional-services tenant base, two anchor retail centres and the Sydney Metro extension keep both lender appetite and deal flow consistently active.

200+ lenders

On panel

25+ years

In commercial finance

ACL 502091

Australian Credit Licence

ABN 91 135 045 340

Registered broker

The Chatswood office market

Chatswood's office stock concentrates along Victoria Avenue, the Pacific Highway and Help Street, with around 280,000 sqm of A and B-grade space. Tenant base is dominated by mid-tier professional services, government agencies (Service NSW, ATO), and the Asia-headquarter offices of multinationals using Chatswood as a North Shore alternative to North Sydney. Vacancy has held inside 12% throughout the post-COVID cycle — meaningfully tighter than North Sydney — which keeps lender comfort with B-grade office here higher than nearly any other suburban Sydney market.

Anchored retail and the Victoria Avenue mixed-use cluster

Chatswood Chase and Westfield Chatswood between them anchor one of the densest retail catchments in suburban Sydney. The surrounding Victoria Avenue mixed-use cluster (Chatswood Interchange podiums, The Concourse mixed-use, plus smaller strata stock) sees consistent investor demand for ground-floor retail with office above. Lender appetite for strata mixed-use here is materially deeper than in equivalent NSW markets — the catchment income is genuine and proven.

Strata medical and allied health

The strata medical market along Archer Street, Anderson Street and the Pacific Highway corridor is the second-deepest in Sydney after the Westmead/Crows Nest cluster. Demand is driven by an affluent, ageing North Shore catchment and the proximity of Royal North Shore. Long-tenanted specialist and dental suites trade tightly; lease doc and SMSF LRBA financing are both highly active.

Typical asset classes we finance in Chatswood

How each asset class lines up against current lender appetite and pricing.

A-grade office (Victoria Avenue / Pacific Hwy)

Full doc senior debt 65–70% LVR with major banks; pricing competitive with North Sydney B-grade.

B-grade office

Full doc 65% LVR or low doc to 70% LVR via non-bank. Tight vacancy compared to peer suburbs keeps appetite active.

Strata retail (Chase / Westfield catchment)

Lease doc to 70% LVR on national franchise tenants; full doc on owner-occupier hospitality and service retail.

Strata medical and allied health

Lease doc or SMSF LRBA 65–70% LVR; one of the deepest strata medical markets in Sydney.

Mixed-use strata (Victoria Ave podium)

Specialist commercial lenders to 65% LVR; lender selection drives 50–75 bps of pricing.

Common borrower scenarios

Mid-tier professional services owner-occupier

Legal, accounting or advisory firm acquiring 250–600 sqm of B-grade or A-grade office for own occupation. Full doc, 65–70% LVR, 25-year amortisation with 2–3 year IO. Major-bank pricing leads materially on this profile.

Family-trust investor in strata medical

$1.5–3m strata medical suite leased to an established specialist or dental practice on a 5–7 year WALE. Lease doc 65% LVR; rate indicatively 6.9–7.4% in 2026. Often acquired in a family trust for asset-protection reasons.

SMSF investor in strata retail

$1–2m ground-floor retail strata tenanted to a national franchise or established hospitality operator with 5+ year WALE. SMSF LRBA at 65% LVR; tenant covenant carries the deal.

Local lending considerations

Chatswood is one of the cleanest suburban commercial submarkets for lender appetite in NSW. All four majors, all second-tier banks, and the full specialist non-bank panel actively lend here. Strata-titled assets are the only consistent friction point — roughly a third of the lender panel applies LVR haircuts or declines strata commercial outright. Selecting the right lender subset for strata deals typically delivers 5% additional LVR and 25–75 bps pricing improvement on the same asset.

Investor and developer activity

Institutional ownership of office stock

Dexus, GPT, Mirvac and Charter Hall hold the majority of A-grade office stock along Victoria Avenue and the Pacific Highway. Westfield (Scentre) and Vicinity hold the anchor retail. Institutional flow is concentrated on A-grade; secondary and strata stock is the private-investor lane.

Private and SMSF flow into medical and strata commercial

Private investors ($1–5m cheque size) and SMSFs dominate the strata medical and strata commercial market. North Shore demographic concentration of self-employed professionals and high-income family-trust investors creates particularly strong SMSF demand. We arrange 10–15 Chatswood deals per quarter across these segments.

Speak to a Chatswood commercial finance specialist

We arrange senior debt for Chatswood office, industrial, retail, medical and mixed-use commercial from a 200+ lender panel. Indicative pricing within 48 hours. No application fees.