Commercial Property Loan Calculator
Estimate repayments on a commercial property loan in Australia. Commercial loans usually carry higher rates, shorter terms and lower LVRs than home loans, adjust the amount, rate and term to see the repayment.
How we estimate this
Commercial property loans in Australia typically have higher interest rates, shorter terms (often 10 to 20 years) and lower maximum loan-to-value ratios (often 65 to 75%) than residential home loans, because the lender sees them as higher risk.
Pricing reviewed: October 2026.
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Understanding commercial property loans in Australia
Commercial property loans in Australia typically have higher interest rates, shorter terms (often 10 to 20 years) and lower maximum loan-to-value ratios (often 65 to 75%) than residential home loans, because the lender sees them as higher risk.
Repayments depend on the loan amount, rate and term. Many commercial loans also offer interest-only periods, which lower the repayment but leave the principal to repay later. Fees and lender policy vary widely.
Frequently asked questions
How are commercial property loan repayments calculated?
The same way as a home loan, from the loan amount, interest rate and term by amortisation, but commercial rates are usually higher and terms shorter, so repayments are higher per dollar borrowed.
How much deposit do I need for a commercial property loan?
Commercial lenders often cap the loan at 65 to 75% of the property value, so you typically need a 25 to 35% deposit, more than a standard home loan. Confirm with a broker.
Are you a mortgage / finance broker?
Everyone on this page is working out what commercial property loan costs because they are ready to hire. Put your business right beneath the calculator, in your state, so you are who they find. From $50/mo.