Sydney · NSW
Commercial Property Loans across Sydney
From CBD A-grade office floors to industrial estates in Eastern Creek, we structure commercial debt across every Sydney sub-market. Independent advice, sharp pricing, and lenders who actually understand the deal.
200+ lenders
On panel
25+ years
In commercial finance
ACL 502091
Australian Credit Licence
ABN 91 135 045 340
Registered broker
Sub-markets covered
30+
CBD, North Shore, Parramatta, Western Sydney
Typical CBD office LVR
55–65%
A-grade, blue-chip tenant
Industrial LVR
65–70%
Strong tenanted
Settlement times
21–35 days
Standard transaction
Sydney commercial finance, structured properly.
Sydney is Australia's deepest and most liquid commercial property market, which means more lender appetite — but also more nuance. Pricing varies materially between the CBD financial core, the metro office markets of North Sydney and Parramatta, and the industrial belts stretching west to Eastern Creek and Erskine Park.
Our job is to read the deal the way a credit committee will read it: tenant covenant, lease term, building grade, and location. We then take it to the two or three lenders most likely to deliver sharp pricing and clean conditions — instead of shotgunning the market and hoping for the best.
Whether you're a Sydney-based business owner buying your own premises, a syndicate acquiring a fully-leased industrial asset, or an SMSF locking in a long-term medical tenancy, we have a finance pathway sized for the deal.
Property types we finance in Sydney
From CBD office floors to suburban warehouses, we structure debt across every commercial asset class active in the Sydney market.
CBD & Metro Office
A and B-grade office floors in the financial core, North Sydney, Chatswood and Parramatta. Strong appetite where tenant covenant is solid.
Industrial & Logistics
Warehousing and last-mile distribution in Eastern Creek, Yennora, Smithfield, Botany and the Southern Sydney industrial belt.
Retail & Mixed Use
High-street retail in suburbs like Bondi, Crows Nest and Newtown, plus mixed-use strata in growth corridors.
Medical & Childcare
Specialist asset classes with long WALEs — favoured by Lease Doc and SMSF lenders for predictable cash flow.
Development Sites
DA-approved sites for residential, mixed-use and BTR. Senior debt, mezzanine and stretch facilities available.
Hospitality & Accommodation
Pubs, hotels and serviced apartment strata — going-concern and freehold structures considered case-by-case.
Lender appetite in Sydney
A snapshot of how our panel of 200+ lenders currently view Sydney scenarios. LVRs are indicative and depend on tenancy strength, location, and borrower profile.
| Scenario | Lender Appetite | Typical LVR | Notes |
|---|---|---|---|
| Sydney CBD A-grade office, blue-chip tenant | Strong | 60–65% | Tier 1 banks competing hard on margin. |
| Western Sydney industrial, 5+ yr WALE | Strong | 65–70% | Logistics demand has lenders chasing this asset class. |
| North Shore strata office, owner-occupier | Strong | 65–75% | Owner-occupier loadings available with the right lender. |
| Inner-west retail, single tenant | Moderate | 55–65% | Tenant strength is everything — discretionary retail discounted. |
| Development site, DA approved | Moderate | 60–70% of TDC | Pre-sales and feasibility scrutiny vary by lender. |
| Hospitality freehold (pub/hotel) | Selective | 50–60% | Trading history and operator covenant critical. |
Recent Sydney borrower scenarios
$4.2M owner-occupier office — Parramatta
A growing professional services firm purchasing its own A-grade strata floor. Full Doc structure at 70% LVR with a Tier 1 lender, locking in a long-term hold and freeing up working capital previously tied to rent escalations.
$8.5M industrial asset — Eastern Creek
Investor acquiring a fully-leased 4,500sqm distribution facility with a 7-year WALE to a national 3PL. Lease Doc structure at 65% LVR — no personal income verification required.
$2.1M SMSF acquisition — Chatswood
Self-Managed Super Fund purchasing a medical suite leased to a specialist practice. LRBA-compliant structure at 70% LVR coordinated with the client's accountant and adviser.
$15M residual stock refinance — Inner West
Developer refinancing 12 unsold apartments out of construction debt onto a residual stock facility, providing 18 months of breathing room to sell out at retail prices.
Local market context
- Lender appetite for Sydney is consistently the strongest in the country — but pricing power sits with borrowers who present a clean, well-packaged submission. We do the packaging.
- Industrial demand in Western Sydney remains structurally tight, with sub-2% vacancy in the M7 corridor driving repeat lender appetite for tenanted product.
- CBD office is bifurcated: prime A-grade with strong tenants attracts competitive pricing, while secondary B/C grade requires specialist or non-bank funding.
- Several non-bank lenders now offer faster Sydney metro settlements (21 days) for clean Full Doc deals, particularly useful where vendors are pushing tight timeframes.
- Stamp duty and transfer costs in NSW are material — factor 5.5–6.5% on top of purchase price into your funding requirement.
Sydney commercial loan FAQs
Ready to fund your next Sydney 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.