Commercial Broker Sydney
A commercial finance broker structures and negotiates business and commercial property lending across multiple lenders, rather than submitting to one bank. In Sydney, commercial property loans typically settle at 65-80% LVR on 3-5 year terms with 15-25 year amortisation, and take three to six weeks from submission to approval.
Not sure how lenders will assess your deal? Answer a few quick questions and see which commercial loan options could suit you.
Commercial lending for Sydney business owners, investors and developers
If you are searching for a Commercial Broker in Sydney, you need a broker who understands how commercial credit is assessed, structured and negotiated not just submitted.
Soren Financial is a Sydney commercial broker specialising in commercial property finance, business loans and development funding across Greater Sydney and NSW.
We work with business owners, commercial property investors, developers and SMSF trustees who require properly structured commercial lending solutions.
Mansour Soltani
Director | Commercial Finance Specialist
With more than 20 years of experience in commercial property and finance, Mansour Soltani helps business owners, investors and developers secure funding for commercial property purchases, refinancing, construction and development projects.
As Director of Soren Financial, he works with major banks and specialist commercial lenders to structure finance that supports business growth, property investment and long-term wealth creation. His practical understanding of commercial credit policy helps clients navigate complex lending scenarios with confidence.
Certificate IV and Diploma in Finance and Mortgage Broking Management. FBAA member. AFCA member. Finsure Licence 384704. Credit Representative Number 527 161.
The commercial team also includes Kylie Soltani, Co-Director, and Alvin Domingo, Senior Credit Analyst, with more than a decade in lending.
Commercial Broker Sydney services
As a Commercial Broker Sydney, we arrange:
– Commercial Property Loans Sydney
– Business Loans Sydney
– Commercial Mortgage Refinancing
– Development Finance Sydney
– Construction Finance NSW
– Asset & Equipment Finance
– SMSF Commercial Property Loans
Commercial lending is not automated. Every application is credit-assessed manually and priced according to risk, asset strength and cash flow. That’s why we compare commercial lending products from Australia’s major banks and specialist non-bank lenders to get the strongest possible approval outcome, pricing, facility structure and flexibility.
Commercial property finance Sydney
Commercial property finance is structured based on:
– Loan-to-value ratio (typically 65–80%)
– Net rental income
– WALE (Weighted Average Lease Expiry)
– Tenant covenant strength
– Business performance (owner-occupied property)
Commercial property loans are typically structured with 3–5 year terms, 15–25 year amortisation periods and risk-based pricing. Not all lenders are actively funding all asset classes at all times – we assess lender appetite before submitting your deal.
We arrange commercial property loans in Sydney for offices, warehouses, industrial assets, retail premises, medical suites, childcare centres and mixed-use developments.
What you’ll actually need to put in
| Asset type | Typical deposit | Typical LVR |
|---|---|---|
| Standard industrial or warehouse | 20-30% | 70-80% |
| Office and retail, well-tenanted | 25-30% | 70-75% |
| Owner-occupied business premises | 20-30% | 70-80% |
| Medical and consulting suites | 20-35% | 65-80% |
| Specialised security (childcare, service stations, pubs) | 35%+ | up to 65% |
| Commercial property inside an SMSF | 20-30% | 70-80% |
| Development and construction | – | up to 65% of GRV / 80% of TDC |
Indicative as at July 2026 and subject to lender policy and credit assessment.
Our lender panel
Approaching one bank limits your options and your negotiating leverage. Commercial lenders constantly adjust appetite based on sector exposure, asset concentration, funding costs and internal credit policy. A lender writing industrial at 75% last quarter may have pulled back this quarter, and the only way to know is to be in the market weekly.
We hold accreditation with 20+ commercial lenders:
- Major banks – ANZ, Westpac
- Second tier and regionals – ING, Bank of Queensland
- Non-bank and specialist commercial – Liberty, MA Money
- Private credit – for short-dated, structured and time-critical transactions
Commercial finance broker Sydney: what we arrange
As a commercial finance broker, we structure funding across the full range of business and property lending, not just one product type. As a commercial loan broker, we also handle straightforward secured lending: commercial property purchases, refinances, and asset-backed facilities where the security and serviceability are clear-cut. Whichever describes your deal, the process is the same: a manual credit assessment, priced on risk, asset strength and cash flow, with a lender shortlist matched to your industry and structure.
Business loans Sydney & working capital finance
For Sydney SMEs, we arrange term business loans, revolving credit facilities, overdrafts, debtor finance, trade finance and unsecured business lending. Lenders assess two to three years financial statements, BAS reporting, debt service coverage, existing liabilities and industry exposure. A structured credit submission improves approval probability – we position your business correctly before going to lenders.
Development finance Sydney
We assist Sydney developers with townhouse developments, apartment projects, mixed-use developments, commercial construction and land subdivision projects. See our full guides to property development finance and land subdivision finance for how each facility is structured and drawn down. Development finance typically requires feasibility analysis, pre-sales coverage, quantity surveyor reporting, experience assessment and contingency allowances. We work with senior banks and specialist development funders depending on project size and complexity.
Asset & equipment finance Sydney
We arrange funding for vehicles, plant and machinery, medical equipment, commercial fit-outs, technology infrastructure and invoice finance. Correct structuring can preserve working capital and improve cash flow.
Refinance commercial property Sydney
If you currently hold a commercial mortgage, refinancing may improve your interest rate, loan structure, equity release, cash flow and facility flexibility. We regularly assist clients refinancing commercial property in Sydney, particularly where loan terms are expiring, pricing is above market, business cash flow has improved or portfolio restructuring is required.
Why choose Soren Financial as your commercial broker in Sydney?
As a leading commercial broker in Sydney, Soren Financial compares major banks and non-bank lenders, identifies appetite before submission, structures facilities strategically and negotiates pricing and terms.
Approaching one bank limits your options and negotiating leverage. Commercial lenders adjust appetite based on sector exposure, asset concentration, funding costs and credit policy. The difference between approval and decline often comes down to how your application is structured and presented, as well as having access to the right lenders.
Our commercial lending process
Typical timeline: 3-6 weeks from submission to formal approval, and 6-10 weeks to settlement.
1. Strategy discussion – review financials, asset details and objectives.
2. Structuring – determine facility type, amortisation, security position and exit strategy.
3. Lender selection – approach lenders with appetite for your asset and industry.
4. Credit submission – detailed, structured submission.
5. Settlement – coordinate valuation, reports and legal documentation.
Commercial broker services across Sydney
Our commercial finance brokers work with businesses, investors and developers across Greater Sydney, including:
| Sydney CBD | Inner West |
| North Sydney | Northern Beaches |
| Parramatta | South Sydney industrial precinct |
| Western Sydney |
Sydney is not one commercial market and lenders do not treat it as one. Appetite, LVR and pricing shift by precinct.
Sydney CBD offices. Occupancy has recovered unevenly since 2020 and lenders remain selective on secondary-grade stock. A-grade assets with strong WALE still price competitively; B and C-grade office needs a genuine tenancy story and often a lower LVR.
Western Sydney industrial. The strongest asset class on most credit committees right now. Vacancy across the Eastern Creek, Erskine Park and Marsden Park corridors remains tight, and lenders will generally stretch LVR further here than anywhere else in the city.
Parramatta and Macquarie Park. Mixed-use and suburban office. Lender appetite is improving but assessment turns on tenant mix and lease profile rather than the postcode.
North Sydney and the Lower North Shore. Professional suites and strata office. Strata commercial has its own quirks – some lenders cap LVR on small floorplates or decline anything under a minimum square metre threshold.
South Sydney industrial. Constrained supply, land-value driven. Valuations often come in on a different basis to the contract, which needs managing before submission rather than after.
How commercial deals get structured
Illustrative scenarios based on typical Sydney market parameters as at July 2026. These are examples of how deals are structured, not records of specific transactions. Every application is assessed on its own merits and outcomes vary.
Owner-occupier buying the premises the business already leases
A logistics business in the Eastern Creek industrial corridor has leased its warehouse for six years and the landlord offers to sell at $3.2m. Two major banks assess the property on a land-value basis and cap the facility at 65%, requiring $1.12m in cash. A second-tier lender with current appetite for Western Sydney industrial and a strong view of the trading business supports 75% on a 20-year amortisation – a $2.4m facility, and roughly $320,000 less deposit. Where the value is created: lender selection, not rate negotiation.
Investor with a valuation shortfall
An investor contracts to buy a strata retail premises in Parramatta at $1.85m with a national franchise tenant on a five-year lease. The bank valuation returns $1.72m, opening a gap the borrower hadn’t budgeted for. Because the tenant covenant is strong and the interest cover ratio clears 1.8x, the deal is repositioned with a specialist commercial lender assessing on the lease rather than the land, holding LVR at 70% of the contract price. Where the value is created: managing the valuation basis before instruction, rather than reacting after.
SMSF buying business premises
A trustee couple with $480,000 in their fund want to buy the medical suite their practice operates from, at $1.4m. The property satisfies the business real property test because it’s used wholly and exclusively in the business. A bare trust is established before contracts exchange, a lease at independently assessed market rent is executed, and the fund contributes a 30% deposit. The lender’s liquidity policy requires cash retained after settlement – and because that requirement ranges from nothing to 20% of the fund balance depending on the lender, the choice of lender directly determines whether the purchase is affordable at all. Where the value is created: sequencing the trust and the lease correctly, and matching the liquidity policy to the fund.
Where Sydney commercial borrowers get caught
Assuming the bank you personally bank with is the right lender. Your business banker’s appetite for your asset class this quarter has nothing to do with your relationship.
Cross-collateralising by default. Bundling the family home into a commercial facility is convenient at settlement and expensive later, when you can’t sell or refinance one asset without unwinding the other.
Treating the valuation as a formality. Commercial valuations frequently come in below contract, especially on land-value-driven industrial. Managing the valuer’s information before instruction changes outcomes.
Ignoring the review date. A 3-year facility on a 20-year amortisation gets fully re-assessed in year three. If the plan is to hold for fifteen years, the exit strategy needs to exist on day one.
Leaving the lease unsigned. On an owner-occupied or SMSF purchase, lenders price off the lease. No executed lease at market rent means either a lower LVR or a decline.
Frequently asked questions about commercial broker Sydney
What deposit is required for commercial property in Sydney?
Most commercial property purchases require a 20–35% deposit depending on the asset type, the strength of the lease and the lender’s risk assessment. For example, a standard industrial warehouse may require a 20% deposit, while a specialised asset like a childcare centre may require 35%+.Are commercial loan rates higher than residential rates?
Yes. Commercial loan interest rates are typically higher than residential mortgage rates. Commercial property loan rates in Australia generally start from around 6.5–7.0% p.a. for low-risk borrowers, but can exceed 10–15% p.a. for specialised properties, higher-risk businesses or non-bank lending. Loans secured against residential property generally attract lower interest rates because residential property is considered lower risk by lenders.How long does commercial loan approval take in Sydney?
Broker commercial loans typically take 3–6 weeks to be submitted and approved, depending on the complexity of the scenario and documentation required.Can I refinance commercial property in Sydney?
Yes. Refinancing a commercial property loan can improve rate pricing, restructure facilities and negotiate more suitable loan terms. It may also reduce how often the lender reviews the loan, which can give borrowers more certainty and flexibility.Can I purchase commercial property through an SMSF?
Yes. You can buy commercial property through your SMSF, subject to superannuation rules and lender criteria. An SMSF can purchase commercial premises for your own business to occupy (provided it’s done on commercial terms), or acquire a commercial property to generate retirement savings/income. We regularly arrange SMSF commercial property loans and work directly with accountants on complex lending structures. Commercial LRBAs are unaffected by the residential borrowing ban that takes effect on 10 August 2026.What LVR can I get on a commercial property?
Generally 65-80%. Well-tenanted industrial and owner-occupied premises sit at the top of that range; specialised security sits at the bottom.Do I pay you a fee?
On commercial transactions we may charge a mandate fee. It’s based on the overall loan scenario and the work required to structure and place it, so it varies from deal to deal and not every transaction attracts one. If a fee applies to your scope of work, we tell you before we start and provide a written credit quote setting out the amount and what it covers. No work begins until you’ve seen it.What’s the difference between a business loan and a commercial property loan?
A business loan is assessed on trading performance and cash flow and is often unsecured or secured by a general security agreement. A commercial property loan is secured by real property and assessed primarily on the asset and its rental income. Many transactions use both.Can I get commercial finance without full financials?
Sometimes. Lease-doc lending assesses the deal on rental income alone where the property is tenanted and the interest cover is strong. Low-doc commercial is available through non-bank lenders at higher pricing.What documents will I need?
Generally two years of financial statements and tax returns, recent BAS, an ATO portal print, the contract of sale or existing loan statements, the lease or heads of agreement, and a summary of assets and liabilities. Trust and company structures need the deed and constitution.Speak with a commercial broker
If you’re purchasing commercial property, refinancing an existing commercial mortgage or funding business growth, speak with Soren Financial. Book a confidential strategy discussion.
1/225 Pacific Highway, North Sydney NSW 2060
1300 899 819
Why choose Soren Financial?
- Access to 20+ commercial lenders
- Commercial property, business and development finance specialists
- Tailored lending structures for complex scenarios
- Experienced with owner-occupied, investment and SMSF lending
- End-to-end support from strategy through to settlement
- $100m+ in commercial settlements every year
- 4.9 from 106 Google reviews