Commercial Loans

Lease income loan

Our convenient lease income loan provides a streamlined commercial solution that relies only on income from the lease to cover repayments.

Liberty Commercial loans

Simplify things with a self-servicing commercial lease

With our convenient lease income loan, you rely on just the income from a commercial property lease to service the loan for that property.

  • Ideal for property investors

  • 30-year loan terms

  • Borrow up to 80% LVR

  • Rates from 8.00% p.a.#

Easy to understand features, variables and fees


Maximum LVR 80%
Maximum loan amount1
Minimum loan amount
Principal and interest
Interest only+++
Maximum loan term
Up to 30 years
Repay weekly, fortnightly, monthly
Investors only


Application fee^^
From $795
Establishment Fee^^^
From 1.00%
Service fee (per month)
Valuation fee
Settlement fee
Documentation fee
Redraw fee^^^^
Deferred facility fee^^^^^
Discharge fee^^^^^^

Ready to get moving?

Wherever you are in your journey, help is here however you need it.

Calculate your repayments

Our easy to use online calculator can help you work out what your loan repayments will be.

Contact a trusted adviser

Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.

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Frequently asked questions

  • A commercial loan is designed to help you invest in commercial property, fund business operations or to buy business equipment. A commercial loan typically uses commercial property as the security and can be an ideal option for those looking to purchase a business premises or build a commercial property portfolio. With a range of free-thinking commercial lending options, Liberty has competitive solutions for all kinds of borrowers.

  • To apply for a commercial loan, you may need to provide details of the property or purpose of the loan, plus documentation of your current financials. Documentation requirements can vary based on the type of commercial loan you are looking for, and Liberty also offers a low-doc option with flexible income verification. For support to review your options and determine which option is right for you, a Liberty Adviser can help.

  • If you’re looking to build your property portfolio, a commercial loan can be a great way to get ahead. As commercial properties tend to have longer rental periods, they can often provide greater rental certainty with fewer ongoing expenses. With a range of flexible commercial lending options, we’re here to help you reach your individual investment goals.

  • At Liberty, we understand that things don’t always go according to plan, and that there is often more to the story than what’s listed in a borrower’s credit file. We assess each commercial loan application on a case-by-case basis to provide tailored lending solutions, even if you have a blemish on your credit history.


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Experts in free-thinking finance

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Other loans you might like:

Short term commercial loan

A speedy commercial loan for a business boost.

  • Fast business finance solution
  • Suitable as a short-term loan
  • Ideal for investments or acquisition
  • No financials required



Find out more

Low doc commercial loan

A flexible commercial solution to help you thrive.

  • Flexible income verification
  • Borrow up to 80% LVR
  • Suits self-employed
  • Redraw facility



Find out more

Things you should know:

#Higher interest rates may apply. The actual interest rate applicable will depend on our assessment criteria and the loan to value ratio. Please call 13 11 33 or speak with your local Liberty Adviser for more details.

1Subject to loan to value ratio (LVR) restrictions.

+++Loans with an Interest Only period are subject to a 0.15% interest rate loading.

^Other Fees and charges are payable.

^^Application fee of $1,045 may apply depending on assessment criteria.

^^^The establishment fee is calculated as a percentage of the loan amount and has a minimum fee of $2,500 or $5,000 depending on assessment criteria.

^^^^Minimum redraw amount $5,000.

^^^^^Deferred facility fee is calculated as a percentage of the loan amount and is only payable if the loan is repaid before the earlier of the end of the term or the third anniversary of settlement. Customers may elect to pay an upfront facility fee in lieu of a deferred facility fee prior to settlement.

^^^^^^Discharge fee of $395 plus legal fees and government charges are due upon loan finalisation.