Business & commercial
Commercial deposit & LVR calculator.
Commercial LVRs sit well below residential, and the deposit gap catches business owners out. Here's the shape of it.
- 01Former commercial bankers
- 02Access to 100+ lenders
- 03A director on every file
- 04A reply within one business day
Indicative deposit required
$375,000
Commercial lenders typically cap LVR around 75% for industrial property for owner-occupiers, materially lower than residential.
- Indicative maximum LVR
- 75%
- Indicative loan amount
- $1,125,000
- Deposit / equity required
- $375,000
- Transfer duty (indicative)
- $82,500
- Legal and due diligence (typical)
- $5,000
- Total cash or equity needed
- $462,500
What could change this figure
- Tenant quality, lease length and WALE for investment purchases
- Whether you can offer additional security, such as a residential property
- GST treatment of the purchase
- Your business's trading history and servicing capacity
This is an estimate only, based on the figures you have entered and simplified assumptions. It is not credit advice, an offer of credit, or an indication that any lender will approve a loan. Commercial LVRs and duty vary significantly by lender, state and asset type. Commercial lending is generally not regulated under the National Credit Code.
How this is calculated
- Maximum LVRs shown are indicative by asset type. Actual appetite varies by lender, tenant and location.
- Transfer duty is estimated at an indicative commercial rate and varies by state.
- Commercial lending is generally not regulated under the National Credit Code.
Free guide
The Business Owner's Finance Readiness Check
Commercial, working capital and asset finance
- Funding a big order without the cashflow cliff
- Equipment and asset finance, explained plainly
- Commercial property: lease versus buy
- Separating business and personal finance properly
Let's get you to the right place
A few quick questions. No obligation, no pressure.
Tell us a little about your situation and we will point you straight to a call or a message, whichever gets you moving fastest.
What are you looking to sort out?
Stay informed
Not ready to talk yet? Get our updates instead.
One useful email a month on rates and lending. No spam, ever.