Commercial Finance
Can You Finance Specialised Commercial Property?
5 min read- Finance Guide
- Updated 2026
Quick answer
Typical LVR range
60% 70%
Of the property's value in many cases
- Typical deposit required 30% - 40%
- Stronger specialised assets Up to 70%
- Higher risk specialised assets 60% - 65%
- Extra security may help Case by case
1300 421 044
1300 421 044
Specialised commercial property finance is assessed using two main factors
The property's risk and marketability
Lenders look closely at how easily the property could be valued and resold. The more specialised the asset, the more conservative the LVR often becomes.
PROPERTY-BASED LIMIT
The business's ability to support the debt
Lenders assess the business's financial strength, trading history, cash flow, and the overall strength of the borrower to confirm the loan can be serviced.
Business-based limitCommon LVR range by specialised asset type
Specialised property lenders often set lower maximum LVRs than they would for standard offices, industrial, or retail assets
-
Medical, childcare, stronger specialised assets Up to 70%
-
Hotels, service stations, mixed specialised assets 60% - 65%
-
Highly specialised or hard to resell assets Varies lower
For example, if a business buys a specialised property worth $1,000,000 and the lender allows a 65% LVR, the maximum loan may be about $650,000 — with the business contributing $350,000 as deposit or equity.
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What Lenders Review
When financing a specialised commercial property, lenders usually review the borrower and the property in more depth. They typically consider:
Business financial
statements- Profit and loss
history
- Cash flow and income
stability
- Industry experience
and trading background
- Existing debts and
other security
A stronger borrower can improve finance options even when the property itself is more specialised.
Lease Strength and Property Use
If the property is leased or income producing, lenders also look closely at the lease profile. Important factors include:
Lease
length- Tenant
quality
- How dependent
the property is on a specific use
Properties with stronger leases and broader appeal are generally easier to finance than very niche assets with limited alternative use.
Common Specialised Property Types
Specialised commercial property covers a wide range of assets.
Common examples include:
Healthcare and Care Assets
Medical, aged care, childcare
Purpose built assets tied to specific uses
Hospitality and Fuel
Hotels, motels, service stations
Often assessed more conservatively by lenders
Other Purpose Built Assets
Car washes, self storage, niche assets
Finance can vary significantly based on property quality and marketability
Each lender has different property preferences and risk limits for these asset types.
Common problems borrowers face
Many borrowers struggle with specialised property finance because these assets are often seen as higher risk than standard commercial property
Larger Deposit Requirement
Because lenders may cap the LVR at a lower level, the business often needs to contribute more cash or equity
Possible solutions include:
-
Use equity from
other property
-
Offer additional
security
-
Consider a
lender more comfortable with the asset type
Valuation Complexity
Specialised properties can be harder to value because there may be fewer comparable sales and a narrower buyer market
This can affect both approval timing and maximum loan amount
Better quality assets with stronger location and demand can be easier to finance
Limited Alternative Use
If the property is highly dependent on one very specific use, lenders may see it as harder to resell if enforcement ever became necessary
Properties with broader utility or stronger leases can be more attractive to lenders
Applying With The Wrong Lender
Different lenders have very different policies for specialised commercial property categories
Using lenders familiar with the specific asset class can improve approval chances.
Steps to get Specialised Property Finance
Step
01
Identify the specialised property type and confirm the purchase details.
Step
02
Calculate the available deposit, equity, or additional security support.
Step
03
Prepare business financials, tax returns, and property information for lenders.
Step
04
Confirm the lease profile, tenant strength, or business use of the asset.
Step
05
Submit the application to lenders experienced with specialised property.
Step
06
Once approved, complete valuation, loan documents, and settlement.
Speak with a Commercial Finance Specialist
Specialised commercial property finance can vary significantly depending on the asset type, location, lease profile, and the borrower's strength.
A specialist can review your scenario and help determine which lenders may be able to fund the property.
Speak with a finance specialist about your specialised commercial property.
Submit the short form below and a finance specialist will review your property and discuss possible funding options.
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