See how much you could borrow to buy a warehouse, depot, office or shop, and the cash you’ll need to settle.
We compare commercial property loans from banks and specialist lenders, including low doc and SMSF options. Find out where you stand in about two minutes.
Check your optionsHow this calculator works. Your indicative maximum loan is the lower of two limits. The first is the loan-to-value ratio (LVR) applied to the purchase price, excluding any GST. The second is what your income can service. For an investment or SMSF property, that’s the net rent divided by the interest cover required and the assessment rate (interest rate plus buffer). For your own premises, it’s your business profit less existing repayments, divided by the debt cover required, and applied to principal and interest repayments over the loan term at the assessment rate. Repayments shown use the interest rate you enter.
What it doesn’t cover. Each lender has its own policy on LVR, income, cover ratios, industries, property types and locations. Specialised properties such as service stations or childcare centres usually have lower LVRs. SMSF loans have extra requirements, including cash the fund must keep after settlement. Rates change often; the Reserve Bank next meets on 29 September 2026.
Stamp duty. The calculator uses each state’s general transfer duty rates for commercial property for 2026–27, applied to the GST-inclusive price. It doesn’t include foreign purchaser surcharges, concessions or exemptions. Sources: Revenue NSW, SRO Victoria, QRO, RevenueWA, RevenueSA, SRO Tasmania, ACT Revenue Office and NT Treasury. Confirm the final amount with your conveyancer.
Important. This calculator is general information only. It isn’t financial, tax or credit advice or an offer of credit, and doesn’t take your circumstances into account. Factor Capital is a trading name of Zinc Finance Pty Ltd (ABN 90 668 675 965). Factor Capital arranges finance for business and commercial purposes only. It does not provide credit assistance for consumer credit regulated under the National Consumer Credit Protection Act 2009 (Cth), including home loans and personal loans.
