Commercial Loans

The Commercial Variable Rate Loan is for loans up to $2,000,000 secured by commercial property. The loan gives you all the features you want, including no monthly, annual or other ongoing fees, a low variable interest rate for the duration of the loan with the added flexibility of being able to make additional repayments at any time.

The Commercial Fixed Rate Loan is for loans up to $2 million secured by commercial property. The loan provides you the comfort of locking in your repayments for up to a period of 5 years; as well as giving you the flexibility to make less than $20,000 per year in additional repayments.

Professional Investors and Owner occupiers with excellent track record (long profitable trading history)

Interest Rate

  • Please contact us for the best rates and more product details: (02) 9265 1700

Lending Range and LVR

  • Principal & Interest – Maximum 75% LVR
  • Interest Only – Maximum 70% LVR
  • Minimum Loan Amount $250,000
  • Up to $3,000,000 for group exposure
  • Higher amounts may be available on a case by case basis and at Bank’s discretion

Repayment Options

  • Repayment flexibility
  • Monthly (interest only must be monthly)
  • Fortnightly (to calculate use annual payment ÷ 26)
  • No fees for making additional repayments

Term of Loan

  • Up to 15 years
  • Fixed Rate Term 1 to 5 years

Ongoing Fees and Charges

  • Generally a set and forget type facility
  • No ongoing fees or charges

Fees and Charges to Set Up the Loan

  • Commitment Fee 0.25% of total application amount
  • Payable upon application
  • Fee is refunded if application is declined or withdrawn prior to issuance of letter of offer
  • Valuation Fee – Mandatory. Please refer to PCM Fee Schedule


Redraw conditions

  • $150 per redraw
  • Minimum redraw of $10,000 applies

Discharge Fees

  • $250 plus legal cost

Early Repayment Fee

  •  Applies to loans discharged within the first 5 years
  • 1-months interest calculated on original loan amount

All conditions are subject to change.
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