Commercial Property Loans in Melbourne
Maximise Borrowing Capacity
Commercial lending is assessed differently to residential. We structure deals to maximise your borrowing capacity with the right lender for Melbourne commercial property.
All Property Types
Offices, retail, industrial, warehouses, mixed-use and development sites - we've financed them all across VIC.
Competitive Rates
Commercial rates vary significantly between lenders. We compare 60+ options to find the sharpest rate for your property type and security position.
Development Finance
From land acquisition through construction to completion, we arrange development finance facilities for residential and commercial projects in Melbourne.
How It Works
Answer a few quick questions about your situation. Our technology scans 3,000+ products across 60+ lenders and surfaces your top matches in real time. Connect with a specialist broker only when you choose to - no pressure, no spam.
Financing Commercial Property in Melbourne
Commercial property finance in Melbourne requires specialist structuring. Unlike residential loans, commercial lending is assessed on the property's income-generating potential, your business financials and the strength of the security - not just your personal income.
Lendera's commercial brokers understand the Melbourne commercial property market. We work with major banks, non-bank lenders and specialist commercial financiers to find competitive rates and maximum LVRs for your situation.
Whether you're purchasing an owner-occupied premises for your Melbourne business, investing in commercial property for rental income, or developing a site across VIC, our brokers structure the deal to win - from application through settlement.
We compare 60+ lenders to find the sharpest rate for your situation. Our service is completely free - we're paid by the lender you choose. ASIC regulated and Finsure accredited.
Melbourne Property Market Overview
Melbourne's commercial property market is the second most active in Australia, with prime CBD office yields ranging from 5% to 6% and industrial yields in the western and south eastern corridors sitting around 4.5% to 5.5%. The city has experienced significant suburban office growth, particularly in precincts like Box Hill, Cremorne, and Geelong Road corridor. Industrial property demand remains strong across Laverton North, Dandenong South, and the Western Industrial Precinct.
Prime commercial investment opportunities exist across Melbourne's CBD Collins Street and St Kilda Road for office assets, Chapel Street and Bridge Road for retail holdings, and Truganina and Derrimut for logistics and distribution centres. The Fishermans Bend urban renewal area presents long term development opportunities for mixed use commercial projects, while Arden and the former Suburban Rail Loop station precincts are expected to generate future commercial demand.
Victoria applies a sliding scale for stamp duty on commercial property, with a top rate of 5.5% and an additional foreign purchaser surcharge of 8%. The Victorian Government also levies a land tax with rates that can significantly impact the holding costs of commercial property portfolios. Lenders typically require 30% to 35% equity for Melbourne commercial property loans, with more favourable terms available for properties tenanted by national retailers or government bodies on long term leases.
Melbourne's Commercial Property: Scale, Diversity, and Opportunity
Melbourne's commercial property market offers a breadth of opportunity that only Sydney rivals in Australia. The city's sheer size means there are distinct sub-markets, each with its own dynamics. The Hoddle Grid CBD remains the premium office address, but the real growth story is in the suburban office markets. Cremorne has emerged as a technology and creative industry hub, attracting companies who want an inner city address with a different character to the traditional CBD towers. Richmond, Collingwood, and South Melbourne are following a similar pattern, with warehouse conversions and boutique office developments attracting tenants who value design, walkability, and proximity to public transport over floor plate size.
Melbourne's industrial property sector is undergoing a structural shift driven by ecommerce and last mile logistics. The western suburbs (Truganina, Derrimut, and Ravenhall) continue to absorb large format distribution centres, but the real competition is for smaller infill industrial sites in the inner and middle ring suburbs that can serve as last mile delivery hubs. Land values in established industrial areas like Moorabbin, Clayton, and Campbellfield are being repriced as developers eye these sites for higher value uses. For commercial property investors, Melbourne's land tax regime is a key consideration because Victoria's rates are among the highest in Australia, and the COVID era temporary surcharges have not been fully unwound. This makes it essential to factor in annual holding costs when modelling yields, and Lendera's brokers build these costs into the analysis when structuring your commercial finance.
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