Gold Coast · QLD
Commercial Property Loans across the Gold Coast
The Gold Coast is the fastest-growing major commercial market in Australia. Migration, lifestyle businesses, and infrastructure investment are reshaping lender appetite — we know which lenders are leaning in.
200+ lenders
On panel
25+ years
In commercial finance
ACL 502091
Australian Credit Licence
ABN 91 135 045 340
Registered broker
Sub-markets covered
15+
Southport, Robina, Burleigh, Yatala, Northern Corridor
Office LVR
60–70%
Robina / Varsity / Bundall
Industrial LVR
65–70%
Yatala / Stapylton corridor
Hospitality LVR
50–60%
Going concern + freehold
Gold Coast commercial debt, sized for the growth story.
The Gold Coast has moved from a tourism-led market to a genuinely diversified commercial economy. Robina and Varsity Lakes have emerged as established commercial precincts, Yatala and Stapylton form an industrial corridor servicing both Brisbane and the Coast, and CBD-adjacent areas like Southport and Bundall continue to attract new tenant demand.
Lender appetite has caught up with the fundamentals. The Big 4 banks compete actively for prime Gold Coast commercial deals, and several specialist non-banks have built dedicated SEQ credit teams to handle the deal flow.
We work with Gold Coast business owners purchasing premises in Burleigh and Currumbin, hospitality operators acquiring freeholds along the strip, and developers funding medium-density residential and mixed-use product across the northern and southern corridors.
Property types we finance in Gold Coast
From CBD office floors to suburban warehouses, we structure debt across every commercial asset class active in the Gold Coast market.
Office (Robina, Varsity, Bundall)
Established commercial precincts attracting strong tenant demand. Owner-occupier loadings widely available.
Yatala/Stapylton Industrial
The Coast's industrial spine, well-positioned between Brisbane and the southern Gold Coast. Strong lender appetite for tenanted product.
Burleigh & Southern Suburbs
Boutique commercial, professional suites and lifestyle retail — favoured by owner-occupiers and SMSF buyers.
Hospitality Freeholds
Pubs, hotels, restaurants — specialist lender appetite available where trading history and operator covenant are strong.
Childcare & Medical
Long-WALE specialist tenanted assets — strong appetite from Lease Doc and SMSF lenders.
Development Sites
Medium-density residential, mixed-use and short-stay product across the Gold Coast — senior, stretch and mezzanine available.
Lender appetite in Gold Coast
A snapshot of how our panel of 200+ lenders currently view Gold Coast scenarios. LVRs are indicative and depend on tenancy strength, location, and borrower profile.
| Scenario | Lender Appetite | Typical LVR | Notes |
|---|---|---|---|
| Yatala industrial, national tenant | Strong | 65–70% | Logistics corridor between Brisbane and Gold Coast. |
| Robina/Varsity office, owner-occupier | Strong | 70–75% | Major banks competing — owner-occupier loadings apply. |
| Childcare centre, 15+ yr lease | Strong | 65–75% | Specialist asset class with deep lender support. |
| Hospitality freehold (pub/restaurant) | Moderate | 50–60% | Trading history and operator covenant critical. |
| Surfers/Burleigh retail strip | Moderate | 55–65% | Tenant strength dictates pricing. |
| Medium-density residential development | Moderate | 65–70% of TDC | Pre-sales achievable given strong migration story. |
Recent Gold Coast borrower scenarios
$2.4M owner-occupier office — Robina
Growing accounting practice purchasing its premises in the Robina Town Centre precinct. Full Doc at 75% LVR (owner-occupier loading) with a Big 4 bank — a long-term hold play with sharp 3-year fixed pricing.
$4.8M Yatala industrial — Lease Doc
Investor acquiring a fully-leased 2,200sqm warehouse on a 5-year lease to a national distribution business. Lease Doc structure at 65% LVR with a specialist non-bank — no personal income verification.
$3.1M SMSF medical suite — Southport
Specialist practitioners' SMSF acquiring their consulting rooms via LRBA at 70% LVR. Coordinated with the client's accountant and SMSF auditor for clean settlement.
$11M townhouse development — Northern Corridor
Senior debt facility for 18 townhouses in a high-growth northern corridor location. 65% LVR of TDC, with 70% pre-sales conditioned upfront with the lender.
Local market context
- The Gold Coast has been the fastest-growing major commercial market in Australia for three consecutive years — driven by migration, lifestyle businesses, and infrastructure investment.
- Hospitality and tourism freeholds remain specialist asset classes — strong operators with verifiable trading history still attract competitive funding, but generic banks have limited appetite.
- Queensland land tax aggregation applies across all QLD landholdings — multi-asset investors with both Brisbane and Gold Coast exposure should model the impact carefully.
- The Yatala/Stapylton industrial corridor benefits from dual catchments — servicing both Brisbane south and the Gold Coast — and has seen sustained rental growth and low vacancy.
- Several non-bank lenders now offer specialist short-stay/serviced accommodation lending on the Gold Coast — a niche the major banks largely vacated post-2020.
Gold Coast commercial loan FAQs
Ready to fund your next Gold Coast commercial property?
Tell us about the deal and we'll match you with the right lender from our panel of 200+. No obligation, no impact on your credit file.