0413 999 286 Let's Chat
Mandurah marina with apartments and cruise boat

Commercial Property Loans in Mandurah

Buy the Premises Your Business Trades From with Andy
Every Property Type Retail, office, industrial and mixed-use premises financed across WA.
Structured for Tax Loans set up to minimise holding costs and maximise tax efficiency.
Since 2000 Decades structuring commercial property finance through every cycle.
Retail, office, industrial or mixed-use. Andy structures the loan to keep holding costs down and the numbers working.

This page covers commercial property loans in Mandurah and across WA. These loans finance business premises purchases including retail, office, industrial, and mixed-use properties, and they work differently from a home loan, so Andy structures yours to minimise holding costs and stay tax efficient.

Talk to Andy

★★★★★
Andy made it straightforward and simple and represented us in a way that put our best foot forward.
Nigel Eber

Nigel Eber

Google Review

★★★★★
For the entire process Andy was a wealth of knowledge and provided excellent support, guidance and timely information.
Pauline SS

Pauline SS

Google Review

★★★★★
Top bloke, great service and locked in a great deal for us. Walked us through each step and had everything finalised really quickly.
Terrance Shein

Terrance Shein

Google Review

★★★★★
Andy made our refinancing and purchase of a new home seamless and within our guidlines.
Peter Ralm

Peter Ralm

Google Review

Let's Chat

Complete the form below and Andy will be in touch to discuss your finance needs.

More Business Finance Options

Aerial view of waterfront canal estate homes

Small Business Loans

Small Business Loans →
A stunning aerial view of Busselton's coastline in Western Australia, featuring clear skies and vibrant cityscapes.

Commercial Finance for New Businesses

Commercial Finance for New Businesses →
Marina with boats and waterfront boardwalk cafes

Business Finance Broker

Business Finance Broker →
an aerial view of a pier in the middle of a body of water

Business Finance

Business Finance →
Aerial view of waterfront canal estate homes
What They Finance

Retail, Office and Industrial Premises

Commercial property loans finance business premises purchases including retail, office, industrial, and mixed-use properties. Whether you are buying a shopfront, a warehouse or a suite of offices, the loan is built around the property’s income potential and your business financials, not just a personal wage.

Lenders assess commercial loans based on property income potential and business financials, and they require detailed property valuation and rental income assessment for serviceability. Andy lines up the right lender and presents the figures so the assessment runs smoothly. If you are weighing premises against renting, this is the page that helps you compare.

Discuss Your Purchase

We query over 30 lenders to find an outcome that’s right for you

How a Commercial Loan Differs from a Home Loan

Commercial property loans differ from residential loans in deposit requirements, typically 20 to 40 per cent, and in interest rates. Loan terms typically range 15 to 25 years, shorter than a residential mortgage, which lifts the repayment but builds equity faster. Lenders also weigh the lease, the tenant and the strength of the rental income.

None of this needs to be a maze. Andy explains the deposit, the term and the rate side by side so you can see exactly what the property costs you to hold, and how a sharper structure changes the picture. For comparison with a standard mortgage, see how a home loan is assessed.

Owning your premises beats paying someone else's mortgage. The trick is structuring the loan so it carries comfortably.

Owning your premises beats paying someone else's mortgage. The trick is structuring the loan so it carries comfortably.

Commercial Loan Snapshot

  • DepositTypically 20–40% of the price
  • Loan termUsually 15–25 years
  • Assessed onProperty income & business financials
  • Property typesRetail, office, industrial, mixed-use
  • Usually requiredValuation & director guarantee
How It's Assessed

Valuation, Rental Income and Your Numbers

Commercial property loans require a detailed property valuation and rental income assessment for serviceability. The lender wants to see the property can pay its own way and that your business financials back it up. Get this part organised and the rest tends to follow.

Why Buyers Use Andy for Commercial Property

Buying premises is a big move. An experienced broker who structures it well makes a practical difference to what it costs you.

Structured to Minimise Cost

Andy structures commercial property finance to minimise holding costs and maximise tax efficiency.

The Right Lender

He compares specialist commercial lenders to match your property type and lease.

Numbers Explained

Deposit, term and rate walked through line by line before you commit.

Decades of Deals

Broking since 2000, across retail, office and industrial purchases in WA.

Available at Settlement

When timing gets tight near settlement, you reach Andy directly.

Beyond This Purchase

Clients come back for the next property and the refinance, because the work continues.

Commercial Property Loan FAQs

Commercial property loans differ from residential loans in deposit requirements, typically 20 to 40 per cent depending on the property type, lease and lender. Andy can estimate where your scenario sits.

Loan terms typically range 15 to 25 years, shorter than a residential mortgage. A shorter term lifts repayments but builds equity faster.

Lenders assess commercial loans based on property income potential and business financials, and require a detailed property valuation and rental income assessment for serviceability.

Yes, via an SMSF loan, which lets a self-managed super fund purchase commercial property. Speak with Andy about whether it suits your situation.

Andy Iriks, Credit Representative & Mortgage Broker

Reviewed by

Andy Iriks

Credit Representative & Mortgage Broker

The information on this page has been reviewed for accuracy by Andy Iriks, a Credit Representative & Mortgage Broker at Wanna Finance. It is general information only.

Ready to Buy Your Business Premises?

Ready to Buy Your Business Premises?

Talk to Andy about a commercial property loan. He’ll structure it to keep holding costs down and explain every figure before you sign.

Book a Chat with Andy