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Commercial Property Investors

Commercial property lending for clients acquiring or refinancing investment commercial properties. No application fee. No clawback.

Lending for commercial property investors

Commercial property investors require a lender who understands the nuances of commercial lending — lease structures, yield assessment, postcode categories, interest cover ratios, and the wide variety of commercial property types that make up a diversified investment portfolio.

Better Choice’s commercial range provides the full suite of products for commercial property investors — from traditional full doc commercial loans through to lease doc products that rely solely on rental income, and commercial SMSF structures for investors holding property within super. No application fee applies across the entire commercial range.

Features

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Lease doc for tenanted investment properties

No financials, no bank statements required. Lease income alone services the debt. Minimum 1.5x interest cover ratio.
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Full and alt doc commercial available

Standard commercial lending with full documentation, or alt doc with 12 months ABN and simplified income verification.
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No application fee

Application fees currently waived across all Better Choice commercial products — Full Doc, Alt Doc, and Lease Doc.
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No clawback

Better Choice does not clawback commissions on any commercial loan — a firm commitment to brokers across the commercial range.
Interest Rate

Commercial SMSF for superannuation investors

Purchase or refinance commercial investment property through an SMSF under an LRBA structure — corporate trustee required.
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Up to 80% LVR, loans to $5 million

Maximum LVR of 80% and loan amounts up to $5m for Category 1 postcodes across the commercial range.

Relevant products

Commercial Lease Doc

Investment commercial loans serviced by lease income alone. No financials required. From 7.99% p.a.
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Commercial Full Doc

Traditional commercial term loans. No application fee. No clawback. From 7.99% p.a.
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SMSF Commercial

Commercial investment through an SMSF. Corporate trustee required. From 7.54% p.a.
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Have a commercial investor scenario?

Submit your client's details to our commercial team and we'll assess the scenario and come back to you promptly.
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