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Low rate commercial loan
Our competitive commercial lending solution can be tailored to your individual borrowing needs.
Low rate commercial loan
Low rate commercial loan
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Funds to support your commercial investment plans
With our lowest rate commercial loan, you can achieve your commercial property goals, faster.
Ideal for business premises
30-year loan terms
No annual reviews
Rates from 7.95% p.a.#
Easy to understand features, variables and fees
Features
Fees^
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.
Request a call back
Enter your contact details and a Liberty Adviser will be in touch to help you crunch the numbers.
Our innovation and flexible solutions have helped over 850,000 free thinkers.
Free thinkers like us see the possible!
When others see the impossible, we look past that and see what we can achieve together.
We’ve helped more than 850,000 customers get financial.
Supporting free thinkers from diverse backgrounds for over 25 years.
Proudly B Corp certified to make a difference beyond borrowing.
Championing women in sport to make a difference on and off the field.
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. Not only can a commercial property loan help to increase cash flow, but it can also support you to diversify your portfolio. And, as commercial properties tend to have longer rental periods, they can 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.
Our low rate commercial loan is our most popular commercial loan for people in small business, and those looking to invest in commercial property. Along with our market leading loan-to-value ratios (LVR), we’ve thrown in great low-doc options designed to help both self-employed people and small businesses to borrow more freely. Whether you’re an owner-occupier or a property investor, speak with a Liberty Adviser about how our low rate commercial loan could benefit you.
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Learn more about free-thinking loans
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A guide to getting the funds you need to boost your business.
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As a business owner, it’s important to strive for financial security.
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SMSFs are growing in popularity in Australia – here are few things to help you consider if a SMSF is right for you.
Other loans you might like:
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
RATES PER ANNUM FROM#
Secured business loan
Smart funding to help your business grow. A low-rate loan for growing businesses.
- Loans up to $2M*
- Flexible security options
- Wide range of loan purposes
- Up to 30-year loan terms
RATES PER ANNUM FROM
Commercial SMSF loan
Put your super to work in a commercial property investment.
- Maximum loan $4M1
- Suitable for owner-occupiers
- No minimum contributions required
- Borrow up to 80% of property value#
Rates per annum from#
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
RATES PER ANNUM FROM#
Things you should know:
1Subject to LVR restrictions.
#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 to your local Liberty Adviser for more details.
++80% LVR available for residential securities only and up to 70% for commercial securities.
+++Loans with an Interest Only period are subject to a 0.15% interest rate loading.
*Loan amounts may vary based on information provided.
^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.