Commercial Property Loans
Whether it’s a new premises, a growing portfolio or a refinance, Bluestone’s commercial property loans are built to back your investment with flexibility where it counts.
Discover our flexible approach
Invest your way
Asset choices
Flexible income
Fast
Get to know our commercial property loans
- Flexible ways to prove income for self-employed borrowers
- Manage cashflow with an offset sub-account (Select borrowers only)
- Purchase warehouses, retail, mixed-use, office or commercial premises.
- Unlimited debt consolidation, including business and ATO debts.
- Check out our commercial SMSF property loan if you’re looking to invest through your SMSF.
The low-down on our
commercial property loans
Ideal for self-employed borrowers or those with non-traditional income. We accept alternative documents for income verification like:
- 6 months business activity statements (BAS)
- 6 months business bank statements
- Accountant’s letter
- Tax returns
$3 million
80%
5 years
30 years
$3 million
80%
5 years
30 years
$3 million
80%
5 years
30 years
To be eligible for a Bluestone Commercial Property Loan, you’ll need to be an Australian resident over the age of 18, and meet other eligibility and approval criteria.
Ready to crunch the numbers?
Understanding the financial impact of your potential new loan will help plan your budget, alongside your expenses.
Your latest market insights
Our curated selection of the latest market insights, guides and tactics to help achieve your property ambitions.
Have Questions?
We’re always here to help! Check out our full list of FAQs or get in touch with our team.
Do you offer alt-doc or self-employed commercial loans?
Do you offer alt-doc or self-employed commercial loans?
Absolutely. Self-employed borrowers can apply for our loans with a variety of documentation, depending on how long the business has been up and running for.
Accepted documents may include:
- Accountant’s letter
- 6 months business activity statements (BAS)
- 6 months business bank statements
- Tax returns
Do you offer SMSF commercial loans?
Do you offer SMSF commercial loans?
Yes, our SMSF Property Investor Loan can be used to fund eligible commercial and residential investment properties in a compliant loan structure.
What types of commercial properties can be purchased?
What types of commercial properties can be purchased?
We support a wide range of commercial property types, especially those with strong demand and broad usability. These include:
- Strata office suites
- Small warehouses
- Retail shops
- Light industrial units
- Strata office suites
- Mixed residential and commercial premises
What can commercial property loans be used for?
What can commercial property loans be used for?
Bluestone Commercial Property Loans are designed with flexibility in mind and can be used for a range of purposes, including:
• Purchasing commercial property – whether for owner-occupation or investment
• Refinancing existing commercial loans – to consolidate or access better terms
• Accessing equity – for business growth, renovations, or other commercial needs
The Legal Bits
To be eligible for a Bluestone Commercial Property Loan, you’ll need to be an Australian resident over the age of 18 with a credit profile, and meet other eligibility and approval criteria. The amount that we will lend is determined based on the applicant’s creditworthiness and other lending criteria. See our Target Market Determination for further details.
* Principal and interest rate displayed as an example, based on a Full Doc Commercial Property Loan. Different rates may apply for interest only repayments. Rates offered will vary depending on a number of factors including individual credit risk, stability of income, LVR, the length of the term of a loan, the amount borrowed, the purpose of the loan and prevailing market conditions. All interest rates quoted are for new business only, are expressed as a nominal annual percentage rate and are subject to change. During an interest only period, your interest only payments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.
** Comparison rates displayed are calculated on secured loan of $150,000 over a term of 25 years. WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.