Commercial Property Loans

Loan options that meet the needs of commercial property owners.

As Australia’s leading specialist commercial property lender up to $3 million, we offer home loan-like terms of up to 30 years down to as short as 6 months. Whether interest only, fixed rate or principal and interest payments, we have a range of loan options to suit your needs and situation – from Full Doc, Mid Doc and Quick Doc, to Self-Managed Super Funds. Here’s what you can expect from a Thinktank Loan:

  • No ongoing fees
  • No annual reviews
  • No regular property revaluations
  • No cross-selling or cross-collateralisation of securities
  • Long or short loan terms and interest only periods
  • Quick decisions and fast turnaround times
  • Access to the people who make the decisions
  • A lower total cost of borrowing than the banks

Loan options that work

Simple, quick and flexible. That’s what most people want from a commercial loan.

Full Doc Loans

Up to 70% LVR to $2 million max 
Up to 65% LVR to $3 million max
Additional Covid-19 requirements may apply. Approval based on: Last two years financial statements and personal income tax returns.

Mid Doc Loans

Up to 65% LVR
$2 million max
Additional Covid-19 requirements may apply. Approval based on: Self-certification of personal and business income plus one of:

  • last two BAS statements
  • last six months of business bank statements, or
  • supporting accountant’s letter.

Quick Doc Loans

Up to 60% LVR
$1.5 million max
Additional Covid-19 requirements may apply. Approval based on: Self-certification of personal and business income.


Up to 70% LVR to $2 million max
Up to 65% LVR to $3 million max
Recently established Funds eligible

Additional Covid-19 requirements may apply. Approval based on: Last two years financial statements and income tax returns for the Fund along with confirmation of annual member contributions.

Why choose a Thinktank loan?


Apply online any time

Our online application allows you to apply at a time, in a place and on a device that suits you. And it’s designed to suit every type of user; whether you’re a direct borrower or a finance broker / professional applying on behalf of your client.


Highly competitive rates

We’re a better alternative to the banks, offering highly competitive rates that take into account the strength and positives of your application. And there’s no hidden costs, annual reviews, property revaluation requirements, regular re-pricing or changing of terms.


30 year loan terms

Where banks typically limit a commercial loan term to anywhere between 2 and 15 years, we like to approach things differently. That’s why we offer terms up to 30 years, together with the best home loan-style features including re-draw, Line of Credit and early repayment options.

What we do

We specialise in providing first mortgage commercial property finance from $100,000 up to $3 million to owner occupiers, investors and Self-Managed Super Funds where the property is located in a metro or developed urban area.

We will lend to:

  • Individuals
  • Companies (private and public)
  • Trusts
  • Partnerships
  • Self-Managed Superannuation Funds

The best borrowing outcome for:

  • Purchasing one or more properties
  • Refinancing an existing loan
  • Equity release for property improvement, investment, working capital and business expansion

We accept the following types of property as security:

  • Strata offices and office blocks
  • Industrial units, factories and warehouses
  • Residential unit blocks
  • Residential properties (including under the NCCP)
  • Some specialised securities including: hotels; motels; function centres; child care centres; hostels and backpacker accommodation.

What we don’t do

We don’t want to cause frustration if we are unable to help. While we do provide finance for a wide variety of commercial property types across the country we are unable to lend in the following situations:

We won’t lend for:

  • Construction or development funding
  • Vacant land on its own
  • Aged care and nursing homes
  • Highly specialised properties
  • Second mortgages
  • Properties in remote locations
  • Credit impaired lending

“I thought the whole process from start to finish was exceptional, big change from dealing with the big 4, and a really flexible package.”

Recent Customer Feedback, Post Settlement Survey

Making the loan application easy

No-one wants to wade through reams of paper or take on bank bureaucracy when they don’t have to. That’s why we’ve developed a refreshingly easy and quick online loan application that can be completed in a fraction of the time it takes compared to the traditional paper based forms. Our online application is designed to suit every type of user from direct borrowers to finance brokers, accountants and other finance professionals. And the form only asks intelligent questions determined by your circumstances to bring you to the Submit button as quickly as possible.

For those who do actually prefer the timelessness of paper, we have kept our application form to a neat, logical flow that can be easily completed and sent in.

ONLINE APPLICATIONdownload application form

Applying for a loan – more than one way

You can apply for a loan directly with us or through one of our accredited finance partners who include mortgage brokers, accountants and financial advisers. Whatever your choice, you can expect the same level of service, efficiency and outcome. It’s as simple as 1, 2, 3.


We assess your application

Once you’ve submitted your application, it will be reviewed to make sure we have all the necessary information then it is passed on to our Credit team for approval. When it comes to the credit assessment, we are similar to most lenders and may have some questions so please expect this. If your application is successful we will proceed to issue you with a formal notification of approval.


We arrange for a valuation

We will order an independent valuation of the proposed security property. Unlike residential valuations which can be completed in a day or two, full commercial valuations can take up to three weeks. This allows the valuer to conduct an on site visit, confirm council consents, leases, improvements and comparable sales in the same area, among many other considerations which can vary from property to property.


We organise documentation and settlement

With the property value and status all confirmed, we will proceed to instruct our solicitors to arrange the mortgage and loan documentation ahead of settlement. Executing the loan documents will often involve your own solicitor and we do recommend this to ensure a smooth and timely process to settlement.

Do you have a question or need help?

Get answers Helpful tools

Speak with a Relationship Manager

If you have a question or would like some more information, we’re here to help. Simply submit the form below and your local relationship manager will be in touch with you.

  • This field is for validation purposes and should be left unchanged.