Calculator
Commercial Property Loan Calculator
The deposit, the WA transfer duty, the total cash to complete, and the repayment, at your rate and at the buffered rate a lender actually tests. Set your numbers and see the shape of the deal before you make an offer.
Your estimated rate. Commercial pricing varies by lender, asset and documentation, so use the rate you have been quoted or a conservative estimate.
Published non-bank terms run up to 30 years (La Trobe, Pepper Money, checked 14 August 2026). Many commercial facilities amortise over 10 to 20 years.
Lenders test the repayment at a rate above the one you pay. The buffer varies by lender; adjust it to stress your own deal.
Buying tenanted property as a going concern is usually GST free. Buying vacant premises to occupy yourself generally is not: GST is funded at settlement and claimed back afterwards.
Your deal snapshot
Cash to complete
Before valuation, legal and lender establishment costs, which on commercial property are higher than residential and are usually paid by the borrower. Duty uses the WA general transfer duty scale, which applies to commercial property with no concession.
The repayment, three ways
The buffered figure is the one that decides the deal. Serviceability is assessed at the lender's buffered rate, not the rate you pay, so a deal that only works at the headline rate does not pass. Interest only is published up to 5 years (La Trobe, Pepper Money, checked 14 August 2026), then the facility reverts to principal and interest over the remaining term.
Get the number checked before you make an offer. Send the property type, price and your equity position and we will come back with what a lender is likely to support, and which one to approach.
Enquire nowIndicative estimate only. Not a credit quote, approval or advice. Rates, terms and LVRs depend on the lender, the asset and how the deal is structured. Duty figures are general, so confirm with your accountant and RevenueWA before relying on them.
Want these numbers checked? Send the result across and we'll tell you what a lender would make of it. No meeting required.
What a commercial property purchase actually costs
On a $1,000,000 commercial purchase at 75% LVR, the loan is $750,000 and the equity to find is $250,000, plus approximately $42,616 of WA transfer duty, so the real cash to complete sits above $292,000 before valuation, legal and establishment costs. Published lending ceilings sit at 75 to 80% LVR (La Trobe 75% full doc and lease doc; Pepper Money 80% to $5m; Liberty 80% on lease income, all checked 14 August 2026), and WA charges the same general duty scale on commercial property as on a house, with no commercial concession.
The repayment that matters is not the one at your rate. Lenders assess serviceability at a buffered rate above the rate you pay, so use the buffered figure in this calculator as the honest test of whether the deal holds. How that assessment works, and the published policy behind it, is in our guide to commercial loan DSCR.
If the purchase is your own premises, the buy-or-keep-leasing decision and the structure question come before the loan: our guides to commercial property finance and buying your business premises in WA work through both, and SMSF commercial property loans covers holding the premises in super, which survived the 10 August 2026 borrowing change.
Why these lenders, and not the big banks
The major banks do not publish commercial property LVR ceilings. Their commercial appetite is set deal by deal, which means no figure of theirs can be quoted with a source. As a working guide from broker experience rather than published policy, major bank commercial lending typically sits at or below 70% LVR on standard security, with higher levels the exception rather than the rule. The lenders that do publish, La Trobe Financial, Pepper Money and Liberty, set the citable frame the rest of the market prices against, which is why they are the numbers in this calculator. A published ceiling is not a recommendation: which lender actually fits your deal depends on the asset, the income and the structure, and matching those is the work we do before you approach anyone.
Frequently asked questions
How do I calculate the repayment on a commercial property loan?
The repayment is a standard amortisation of the loan amount at your rate over the term: on a $750,000 loan at an example rate of 7% over 20 years, principal and interest is about $5,815 a month, and interest only is $4,375. The figure that decides the deal is neither of those. Lenders assess serviceability at a buffered rate above the rate you pay, so the same loan tested with a 2% buffer is assessed at about $6,748 a month. Use the buffered figure in this calculator as the honest test of whether the deal holds.
How much cash do I need to complete a $1,000,000 commercial property purchase in WA?
Above $292,000 at a 75% LVR: $250,000 of equity plus approximately $42,616 of WA transfer duty, before valuation, legal and lender establishment costs. WA charges the general transfer duty scale on commercial property with no commercial concession (RevenueWA general rate, checked 14 August 2026). If the purchase does not qualify for the going concern exemption, GST adds a further $100,000 funded at settlement, which is generally claimable back afterwards but has to be found on the day.
Why do lenders assess commercial loans at a buffered rate?
Because the lender is testing whether the deal survives rates rising, not whether it works at the rate written on the offer. Serviceability is assessed at the lender buffered assessment rate rather than the rate you pay, and more commercial deals fail on that test than on the property itself. The buffer varies by lender. Run your deal at the buffered repayment first: if the income or the business covers that figure, the conversation with a lender starts from strength. How the full assessment works is covered in our guide to commercial loan DSCR.
How long can a commercial property loan be interest only?
Published non-bank policy allows interest only for up to 5 years (La Trobe Financial and Pepper Money, checked 14 August 2026), after which the facility reverts to principal and interest over the remaining term. That reversion is worth modelling on day one: a loan that spends 5 of 20 years interest only repays its principal over 15, so the step-up in repayment at the reversion is material, and lenders test serviceability on the principal and interest figure, not the interest only one.