Commercial Loans

Low rate commercial loan

Our competitive commercial lending solution can be tailored to your individual borrowing needs.

Liberty Commercial loans

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


Maximum LVR 80%
Maximum loan amount
Minimum loan amount
Principal and interest
Interest only up to 5 years+++
Maximum loan term
Up to 30 years
Repay weekly, fortnightly, monthly
Owner occupier & investor


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.

Request a call back

Enter your contact details and a Liberty Adviser will be in touch to help you crunch the numbers.

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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.

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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. 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.

  • Liberty’s free-thinking commercial loans were designed with borrowers in mind. Whether you’re looking to invest, or to help boost your business, we have options that give you flexibility. We also take the time to understand your circumstances so we can help you find the best loan match for your goals. For support determining if our long term, short term, low doc or low rate commercial loan is right for your investment goals, speak with a Liberty Adviser.


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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



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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



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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#


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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



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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.