Commercial Rate Loan

Fund your next project with access to a flexible commercial property loan 

Looking for a commercial property loan for your next project? With a minimum loan amount of $500,000, our Commercial Rate Loan is designed for property development, property investment or business acquisitions purposes. 

 

Our Commercial Rate Loan gives you access to competitive interest rates where you can set your repayment term, choose between a variable or fixed interest rate, and your interest period. 

 

Choose from four flexible commercial rate loan options to suit your cash flow and business requirements:

  • Variable Commercial Rate Loan
  • Interest Capitalised Variable Commercial Rate Loan
  • Fixed Commercial Rate Loan
  • Interest Prepaid Commercial Rate Loan.
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    Features and Benefits

    • range of interest periods to suit your cash flow requirements
    • progress draws available
    • view balances and account information using Internet Banking
    • maximum loan term of five years
    • minimum loan amount of $500,000
    • accepted security includes residential property, commercial property, business assets, directors' guarantee, fixed and floating company charge
    • Scheduled Principal Reductions, Progress Draw and Redraw available only on Variable Commercial Rate Loan and Interest Capitalised Variable Commercial Rate Loan

    Commercial Loan Interest Rates

    Interest period optionsDetail
    Variable1, 2 and 3 months
    Interest Capitalised Variable1, 2 and 3 months
    Fixed1, 2, 3, 4 and 5 years

    Interest Prepaid

    1 year

    Interest rate

    Interest rates are set daily for each facility type and each interest period.

    Interest payment optionsDetail
    Variable1, 2, and 3 months in arrears
    Interest Capitalised Variable1, 2 and 3 months in arrears
    FixedMonthly in arrears
    Interest Prepaid

    Yearly in advance

    (For variable Commercial Rate Loan and Interest Capitalised Variable Commercial Rate Loan the interest payment date must match the interest period option).


    Fees and Charges

    Fee typeFee

    Application Fee 

    0.75% of the approved limit applies (minimum $750).

    Monthly Service Fee 

    $50.00 per month


    How to apply

     

    Important information

    Please view the terms and conditions listed below on the Terms and Conditions page: 

    • Business Lending Supplementary Terms and Conditions
    • Business Banking Guide to fees and Charges