Trust & Strength
Commercial Lending Rates
November 2026 rate guide – prime, private, development and business funding across the full capital stack.
Prime Commercial Funding
Major lender & institutional capital for strong, well-documented deals
| Product | LVR / Structure | Rate from (p.a.) |
|---|---|---|
Commercial Property – Full Doc Variable | Up to 40% LVR | 6.30% |
| Up to 60% LVR | 6.49% | |
| Up to 70% LVR | 6.75% | |
| Up to 80% LVR | 7.45% | |
Commercial Property – Full Doc Fixed, up to 70% LVR | 1-year fixed | 6.55% |
| 3-year fixed | 6.50% | |
| 5-year fixed | 6.65% | |
Commercial Property – Lease Doc / Low Doc Variable | Up to 60% LVR | 6.80% |
| Up to 65% LVR | 6.99% | |
| Up to 70% LVR | 7.40% | |
| Up to 80% LVR | 7.60% | |
Property Development – Full Doc Up to 80% of TDC, capped at 65% of GRV | Interest rate | 6.60% |
| Line fee | 1.50% |
Prime pricing generally applies to facilities of $5 million and above. Rates and maximum LVR depend on location, facility size, asset type and the overall strength of the deal.
Private Lending Solutions
Flexible non-bank capital when speed and structure matter more than the bank box
| Product | LVR / Structure | Rate from (p.a.) |
|---|---|---|
Commercial Property – Full Doc Set-and-forget, no annual reviews · Variable | Up to 70% LVR | 7.55% |
| Up to 80% LVR | 8.10% | |
Commercial Property – Full Doc Fixed, up to 70% LVR | 1-year fixed | 7.10% |
| 3-year fixed | 7.05% | |
| 5-year fixed | 7.20% | |
SMSF Commercial Loans Variable | Up to 70% LVR | 7.15% |
| Up to 80% LVR | 7.85% | |
Commercial Property – Lease Doc / Low Doc Variable | Up to 60% LVR | 7.50% |
| Up to 65% LVR | 7.75% | |
| Up to 70% LVR | 8.15% | |
No Doc – Asset-Based Lending Security-led assessment | Rates | 9.35% |
Land Banking Vacant and englobo land, up to 75% LVR | Rates | 7.95% |
Residual Stock Loans Unsold completed stock, up to 80% LVR | Rates | 8.49% |
Private lending pricing and maximum LVR depend on location, facility size, asset type and the overall strength of the deal.
Development & Construction Capital
From site to completion – including deals with no pre-sales
| Product | LVR / Structure | Rate from (p.a.) |
|---|---|---|
Development Finance – No Pre-Sales Required Senior debt, based on GRV | Up to 60% of GRV | 8.75% |
| Up to 65% of GRV | 8.80% | |
| Up to 70% of GRV | 8.85% | |
| Up to 75% of GRV | 8.95% | |
| Up to 80% of GRV (blended) | 12.99% | |
Stretched Senior Development Up to 75% of GRV and up to 90% of TDC | Interest rate | 8.99% |
| Line fee | 1.50% | |
Mezzanine Finance & Preferred Equity Up to 80% of GRV and up to 90% of TDC | Rates | 13.50% |
Development pricing and leverage depend on location, project size, asset type, builder and the overall strength of the deal.
Business Finance
Capital for operating businesses – growth, working capital and equipment
| Product | LVR / Structure | Rate from (p.a.) |
|---|---|---|
Secured Business Term Loans Property or asset secured | Full Doc | 6.75% |
| Low Doc | 8.55% | |
Unsecured Business Term Loans No property security required | Full Doc | 8.99% |
| Low Doc | 12.55% | |
Asset & Equipment Finance Vehicles, plant and equipment | Full Doc | 10.35% |
Business lending is available to business borrowers only. Pricing depends on facility size, asset type and the overall strength of the application.
Rates shown are indicative starting rates (per annum) as at November 2026 and are a guide only. They are not an offer of credit, a quote or a guarantee of approval or pricing. Final rates, fees, LVR and terms depend on the lender's assessment of your application, the security offered, location, loan size and the overall transaction. Lending criteria, fees and charges apply. Rates may change at any time without notice.