Perth · WA
Commercial Property Loans across Perth
Perth's commercial market is leveraged to the resources cycle — and the cycle is on. Tight industrial vacancy in the south-east corridor and recovering CBD demand are pulling lender appetite back to WA.
200+ lenders
On panel
25+ years
In commercial finance
ACL 502091
Australian Credit Licence
ABN 91 135 045 340
Registered broker
Sub-markets covered
18+
CBD, West Perth, Osborne Park, south-east industrial
CBD office LVR
55–65%
A-grade prime
Industrial LVR
65–70%
Tenanted product
WA stamp duty
~5.15%
Commercial $1M+
WA commercial finance, with lenders who get the cycle.
Perth commercial property runs to a different rhythm than the eastern states. The market is closely tied to the resources cycle, mining services activity, and population flows driven by FIFO and infrastructure projects. Lenders who only see deals through an east-coast lens regularly misprice WA risk — both ways.
We work with WA-based lenders and east-coast lenders with genuine WA credit appetite. That means access to sharp pricing on prime CBD office, the deep industrial belt around Kewdale, Welshpool and Canning Vale, and specialist appetite for mining-services-linked tenancies.
Our Perth clients include owner-occupiers consolidating premises in the Osborne Park business park, SMSFs locking in long-leased professional suites in West Perth, and resource-services businesses funding their operational footprint in Kwinana and Henderson.
Property types we finance in Perth
From CBD office floors to suburban warehouses, we structure debt across every commercial asset class active in the Perth market.
CBD Office
St Georges Terrace and the Terrace fringe — A-grade is attracting fresh lender appetite as vacancy compresses.
West Perth Office
Boutique professional and resource-services tenancies — favoured asset class for Lease Doc and SMSF lenders.
Osborne Park & Joondalup Business Parks
Office and showroom strata serving the northern corridor. Owner-occupier loadings widely available.
Kewdale / Welshpool / Canning Vale Industrial
Perth's industrial spine — vacancy is structurally tight, with strong lender support for tenanted product.
Kwinana & Henderson
Heavy industrial and resource-services. Specialist appetite required; we know the lenders who write here.
Retail & Bulky Goods
Neighbourhood centres and bulky goods across the metro area — assessed on tenant covenant and catchment.
Lender appetite in Perth
A snapshot of how our panel of 200+ lenders currently view Perth scenarios. LVRs are indicative and depend on tenancy strength, location, and borrower profile.
| Scenario | Lender Appetite | Typical LVR | Notes |
|---|---|---|---|
| Kewdale/Welshpool industrial, strong tenant | Strong | 65–70% | Tight vacancy underwrites lender confidence. |
| Perth CBD A-grade office, blue-chip tenant | Moderate | 55–65% | Improving — lenders re-engaging as vacancy falls. |
| West Perth professional suite, long WALE | Strong | 65–70% | Favoured by Lease Doc and SMSF lenders. |
| Kwinana heavy industrial, mining-services tenant | Selective | 55–65% | Lender choice narrows — tenant covenant critical. |
| Osborne Park office, owner-occupier | Strong | 70–75% | Owner-occupier loadings widely available. |
| Suburban retail, single tenant | Moderate | 55–65% | Pricing depends heavily on tenant strength. |
Recent Perth borrower scenarios
$1.9M owner-occupier office — Osborne Park
Professional services firm buying its long-leased suite. Full Doc at 75% LVR (owner-occupier loading) with a Tier 1 bank, freeing the partners from a rising-rent escalation cycle.
$5.2M industrial — Kewdale
Investor acquiring a fully-leased 2,800sqm distribution facility on a 6-year WALE. Lease Doc at 65% LVR with a specialist non-bank — sharp pricing and no personal income verification.
$2.6M SMSF acquisition — West Perth
Self-Managed Super Fund purchasing a multi-tenanted professional suite via LRBA at 70% LVR. Coordinated with the client's accountant and SMSF auditor for clean settlement.
$8.4M refinance — Canning Vale
Family investor refinancing two tenanted industrial assets out of an aged facility onto a single Lease Doc structure at 65% LVR — pulling out $1.1M in equity for the next acquisition.
Local market context
- Perth industrial vacancy in the Kewdale/Welshpool spine is currently among the tightest in Australia — supportive of both lender appetite and rental growth.
- The resources cycle directly affects lender risk appetite for mining-services-linked tenancies in Kwinana, Henderson and the broader Perth metro — we structure deals with that in mind.
- WA stamp duty on commercial property is ~5.15% on a $1M+ purchase — lower than VIC or NSW, improving overall acquisition economics.
- Several east-coast non-bank lenders have re-opened WA credit lines in the past 24 months, restoring deeper competition for non-vanilla Perth deals.
- CBD office is in a clear recovery trajectory — A-grade vacancy is falling, but lenders remain selective on B and C-grade product.
Perth commercial loan FAQs
Ready to fund your next Perth 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.