From retail to warehousing, or hospitality to healthcare, our flexible approach to commercial property lending could help your business grow. Regardless of your industry, we're here to help.
Why choose a Pepper Money commercial loan?
No fees~ - for the life of your loan
Get your personalised interest rate+ without impacting your credit score
Secured interest rates starting from 6.75% p.a. comparison rate*#
- 1 year tax return full doc option available
- Flexible loan terms over 1-30 years
- Flexible cash-out options available
- Borrow up to 75% LVR1
- Debt consolidation, including tax debts
- Alt-doc options available
Commercial properties we can finance
- Boarding houses
- Industrial units
- Warehouses
- Medical suites
- Mixed residential and commercial-use properties
- Retail premises
- Showrooms
- Strata offices
- Vacant industrial land2
What other commercial property borrowers are asking
There's no point re-inventing the wheel. Here's what other savvy home buyers are frequently asking us. If you're still stuck for help, then why not check out all of home loan FAQs.
What is a Self-Managed Super Fund (SMSF)?
Depending on your situation, refinancing could help you save money through a lower interest rate or by saving on overhead fees charged by other lenders. Refinancing can be a strategy used to free up the equity you have in your home. Tapping into your equity could also be a way to realise your property investment goals, renovate the house, or even buy a boat or caravan - the options are almost endless.
What’s a flexible credit assessment?
We don’t just look at the black and white boxes on your home loan application. We make the effort to get to know you – the person behind the application. We ask the questions that matter and look to uncover the meaning behind any blips on your credit report, which allows us to make an informed offer based on your ability to repay a loan with us. We then use a range of factors (including your property goals, income and financial details) to provide an interest rate matched to your circumstances.
It’s our flexible approach that helps more Aussies achieve their dreams of buying their new home.
There is no set timeframe you need to wait until you can refinance your home loan, however you should consider the following when evaluating if it’s the right time to refinance your loan:
Why do you want to refinance? Is there a product you’ve seen that you think might better suit your situation, or have interest rates drastically changed?
Has your financial situation changed?
What fees might you need to outlay to refinance, and do they outweigh the benefits?
Read the terms of your current loans carefully (including break fees, interest rates, comparison rates etc.) and weigh these up against the features of any refinance options you’re considering, including the loan term. Will your objectives be met?
Lots of things can impact your credit score, including when a credit provider obtains a copy of your report during your credit application. Whilst each of the Australian credit reporting bodies calculate credit scores differently, making multiple applications within a short space of time can negatively affect your credit score. Find out more in our quick guide to understanding your credit report.
If you have a below-average credit score, then refinancing could still be an option for you. However, you may need to look to alternative lenders that take a holistic view of your financial situation.
It’s important to understand what factors have impacted your credit score in the past and ensure that you have a plan in-place to rectify these issues. Check out our tips on understanding your credit score.
Compare the terms and conditions of each product – the one you have, compared to the one you’re considering refinancing to. Ensure you understand the fees and charges to both discharge and get a new mortgage, as they differ from lender to lender and product to product. It’s important to also understand the terms and conditions, including any fees, applicable where you’re considering refinancing with your current lender to a different product. Before making any decisions, read the fine print to ensure your refinancing benefit isn’t eaten up by fees.
Refinancing your home loan is the process of getting a new loan to replace an existing mortgage – this could be with the same lender through moving to a new product, or switching to a new mortgage with a different lender. While some may refinance their home loan to take advantage of a lower interest rate, others do so to consolidate their debts. Refinancing could also help you access any equity built up in a property.
Find out more in our Simple Guide to Refinancing.
1 LVR differs across loan options and documentation types.
2 Vacant industrial land is only considered if finances with other security.
All applications are subject to Pepper’s normal credit assessment and loan suitability criteria. Terms, conditions, fees and charges apply. Personal information is collected, used and disclosed in accordance with Pepper’s Privacy Policy.
The important legal bits
Information and interest rates are valid as at 20 February 2024 and subject to change at any time. Offers and promotions may be continued, withdrawn, or changed at any time without notice.
