Commercial Property Loans in Perth

Maximise Borrowing Capacity

Commercial lending is assessed differently to residential. We structure deals to maximise your borrowing capacity with the right lender for Perth commercial property.

All Property Types

Offices, retail, industrial, warehouses, mixed-use and development sites - we've financed them all across WA.

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 Perth.

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Financing Commercial Property in Perth

Commercial property finance in Perth 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 Perth 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 Perth business, investing in commercial property for rental income, or developing a site across WA, our brokers structure the deal to win - from application through settlement.

Lendera Advantage

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.

Perth Property Market Overview

Perth's commercial property market offers higher yields than the eastern seaboard capitals, with prime CBD office yields around 6% to 7% and industrial yields in the Kwinana to Welshpool corridor ranging from 5.5% to 6.5%. The market is closely correlated with the resources sector cycle, with vacancy rates and rental growth fluctuating accordingly. The current resources sector strength is driving renewed demand for office space in the CBD and industrial facilities across the Perth metropolitan area.

Key commercial precincts include the Perth CBD and West Perth for office investment, the Kwinana Industrial Area and Henderson for heavy industrial assets, and suburban centres like Joondalup and Rockingham for retail properties. The Murdoch Activity Centre and the new Metronet station precincts are emerging as future commercial hubs. Industrial investors are particularly active in the Hazelmere, Forrestdale, and Latitude 32 industrial estates which cater to logistics and manufacturing tenants.

WA charges transfer duty on commercial property at rates up to 5.15%, which is slightly lower than most eastern states. Foreign buyers face an additional 7% surcharge. Land tax in WA is levied on the unimproved value of land, with rates that can be significant for larger commercial holdings. Lenders assessing Perth commercial properties typically factor in the resources sector cycle risk, and may require higher equity contributions or stronger tenant covenants compared to eastern states properties. Environmental remediation requirements for industrial sites in established Perth precincts can also impact loan assessments.

How the Resources Cycle Shapes Perth Commercial Property

More than any other Australian city, Perth's commercial property market moves with the resources sector. When iron ore, lithium, and LNG prices are strong and new projects are being approved, demand for CBD office space, industrial sheds, and support services commercial premises surges. When the cycle turns, vacancy rates can climb sharply, particularly in the CBD office market where resources companies scale back their floor space. This cyclicality creates both risk and opportunity. Investors who buy quality commercial assets during softer phases of the cycle have historically been rewarded when the next upturn arrives, but financing during a downturn requires a lender who understands Perth's specific dynamics rather than applying a one-size-fits-all metro assessment.

Perth's industrial property sector is particularly strong, underpinned by the heavy engineering, fabrication, and logistics businesses that service the mining sector. The Australian Marine Complex at Henderson is a specialised precinct for shipbuilding, defence, and offshore oil and gas fabrication that has no equivalent on the eastern seaboard. The Kewdale and Forrestfield logistics hub serves as the freight distribution centre for the Perth metro area, while newer estates at Latitude 32 in Mandogalup cater to large format industrial users who need modern facilities with good road access. The Perth Airport precinct is another growing commercial node, with office parks and business facilities benefiting from proximity to the terminal and freight operations. For owner-occupiers, Perth's relatively lower commercial property prices compared to Sydney and Melbourne mean that buying your own business premises can be more achievable, and several lenders offer tailored owner-occupier commercial products with reduced deposit requirements for WA based businesses.

Helpful Guides

Frequently Asked Questions

Most lenders cap LVR at 65-70% for investment commercial property and up to 80% for owner-occupied premises with strong cashflow. Lendera identifies the highest-LVR lenders for your Perth commercial property.
Commercial loans typically carry higher rates, shorter amortisation periods and are assessed on the property's income and your business financials. Deposit requirements are usually 20-35%. Lendera's brokers navigate these differences for you.
Yes. Lendera arranges construction and development finance for residential and commercial developments in Perth, including land acquisition, site costs and construction draw-down facilities.
Commercial loan approvals typically take 2-6 weeks depending on the complexity of the deal and the lender. Lendera's brokers prepare comprehensive submissions to minimise processing time.
Yes. Many lenders consider Perth's exposure to the mining and resources cycle when assessing commercial property loans, which can result in more conservative valuations or higher equity requirements during softer market phases. Lendera works with lenders who have deep experience in the WA market and can differentiate between cyclical risk and the underlying strength of your specific property and tenancy.

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