Commercial Property Loans – Investment, Owner-Occupied & Specialized Assets
Investing in commercial real estate, securing business premises, or funding industrial and specialized assets requires deep panel lender knowledge. At HQ Mortgage (located at 10/857 Doncaster Rd, Doncaster East), we structure full doc and low doc commercial property loans across Melbourne, Victoria, and nationwide, covering industrial warehouses, retail, office suites, residential blocks on a single title, and specialized assets like childcare and service stations.
Commercial Property Asset Classes & Maximum LVR Guide
Commercial lending criteria vary substantially depending on property type, zoning, and whether the loan is full doc or low doc. Below is our standard panel lender LVR breakdown:
| Property Asset Class | Maximum LVR Range | Doc Options | Key Lending Notes |
|---|---|---|---|
| Industrial Warehouses & Factories | Up to 70% – 80% | Full Doc & Low Doc | Highest market appetite; preferred by major and second-tier lenders. |
| Block of Units (6+ on 1 Title) | Up to 70% | Full Doc & Low Doc | Single title residential blocks with 6 or more units treated under commercial terms. |
| Residential Strata Blocks | Up to 80% | Full Doc & Low Doc | Complexes must have between 5 and 11 units total within the security block. |
| Specialized Assets (Childcare, Service Stations) | Up to 50% – 65% | Full Doc & Low Doc | Assessed on business trading performance, lease security, and location strength. |
| Standard Commercial (Office / Retail) | Up to 65% – 75% | Full Doc & Low Doc | Depends heavily on tenant lease terms (WALE) and commercial zoning. |
Interactive Commercial Property Loan & LVR Estimator
Calculate your estimated maximum borrowing capacity and required equity deposit based on commercial property asset valuation:
Commercial Finance Structures: Lease Doc, Owner-Occupied & Construction
1. Lease Doc Investment Loans
Purchasing commercial property as an investment? Lease doc loans allow lenders to assess loan serviceability primarily using the rental income generated by the commercial lease agreement (WALE – Weighted Average Lease Expiry) rather than relying exclusively on personal tax returns.
2. Owner-Occupied Commercial Loans
Operating your own business from your premises (industrial warehouse, office, or retail shop)? Owner-occupied commercial loans often secure more favorable interest rates and longer loan amortization terms compared to pure investments.
3. Commercial & Industrial Construction Facilities
Building a warehouse, office park, or multi-unit commercial site? We structure progressive drawdown construction finance tailored to commercial builders and business owners.
Full Doc and Low Doc Flexibility for Self-Employed Borrowers
We understand that business owners and commercial investors don’t always fit traditional PAYG bank boxes.
- Full Doc Loans: Utilizes standard business tax returns, financials, and Notice of Assessments for the lowest commercial interest rates.
- Low Doc Options: Ideal for self-employed borrowers with complex financials. Uses BAS statements, accountant letters, or business bank statement verification to substantiate income without full tax returns.
Request a Commercial Property Loan Assessment
Submit your commercial property details for a tailored lender policy review in under 60 seconds.
Why Choose HQ Mortgage for Commercial Finance?
- Broad Commercial Panel: Access to major institutional banks, second-tier lenders, and specialist commercial funds.
- Complex Security Expertise: Specialized in structuring multi-unit residential blocks (6+ on 1 title), strata blocks (5–11 units), and industrial warehouses.
- Tailored Full Doc & Low Doc Solutions: Matching your business income structure with the right lender credit policy.
- Local Service, National Reach: Operating from Doncaster East, Victoria, assisting clients across Melbourne and nationwide.
Frequently Asked Questions About Commercial Property Loans
What is the maximum LVR for industrial commercial property?
Most panel lenders offer up to 70% to 80% LVR for standard industrial warehouses and factories, depending on location, zoning, and whether the application is full doc or low doc.
How are residential blocks of units (6+ on 1 title) financed?
Blocks containing 6 or more residential units on a single title are assessed under commercial lending guidelines rather than residential policies. Maximum LVRs typically cap at around 70%.
What are the rules for residential strata blocks?
For residential strata complexes, lenders often permit up to 80% LVR provided each individual complex or security block contains between 5 and 11 units total.
Can I get a commercial loan using Low Doc income verification?
Yes. Low doc commercial loans are widely available for self-employed borrowers using BAS statements, accountant declarations, or business bank statements, though maximum LVRs may be slightly lower than full doc terms.
Ready to Finance Your Commercial Property?
Contact HQ Mortgage today to discuss your commercial investment, owner-occupied premises, or specialized asset acquisition.
- Phone: 0433 371 658
- Email: finance@hqmortgage.com.au
- Office & Postal Address: 10/857 Doncaster Rd, Doncaster East VIC 3109
- Website: https://hqmortgage.com.au
Important Commercial Credit & General Advice Disclaimer:
Information Current as at October 2026. The information provided on this page and in our commercial calculators is general in nature and is provided for educational and illustrative purposes only. It does not constitute commercial, financial, taxation, legal, or credit advice.
Credit Assessment & Lender Approval: All commercial property loans, lease doc investments, owner-occupied facilities, LVR thresholds (up to 70%–80%), low doc criteria, and specialized asset approvals are subject to strict institutional lender evaluation, credit committee assessment, valuation, and final approval. Terms, conditions, establishment fees, and commercial interest rates apply.
HQ Mortgage Service Disclosure: HQ Mortgage operates as a trading name of INRIM Consulting Group. Consult directly with an accredited HQ Mortgage commercial broker to obtain a tailored Assessment and Credit Quote for your commercial property purchase.