Commercial Property Loan Refinance Sydney: Are You Paying Over 8%?

Updated September 2026

If you are paying more than 8% on a commercial property loan, it may be worth comparing current commercial refinance rates.

Commercial property owners and small businesses across Sydney may be able to refinance to a lower interest rate, improve their loan structure or reduce their monthly repayments. The result depends on the property, loan amount, business financials, loan-to-value ratio and lender requirements.

Matthew Stack is a Sydney commercial finance broker helping business owners compare commercial property loan refinance options from banks and non-bank lenders.

What is commercial property loan refinancing?

Commercial property loan refinancing means replacing your existing commercial mortgage with a new loan, usually to obtain:

• A lower commercial property loan rate

• Reduced monthly repayments

• A longer or more suitable loan term

• Better loan features

• Access to available property equity

• Consolidation of eligible business debts

• A move from a non-bank lender to a major bank

A commercial refinance review compares your existing loan with suitable options from other lenders.

Can I refinance a commercial property loan to a lower rate?

You may be able to refinance your commercial property loan to a lower rate if your financial position, property and loan meet a lender’s credit requirements.

A refinance may be worth investigating if you:

• Have a commercial property loan below $1.5 million

• Are paying an interest rate above 8%

• Have a satisfactory repayment and credit history

• Have at least 12 months of current business financial statements

• Own an acceptable commercial property

• Have sufficient equity in the property

• Hold the property personally, through a company or in a trust

Some eligible borrowers may qualify for commercial property loan rates below 7%, depending on the lender, security, loan-to-value ratio, loan term and application strength. Rates change regularly and must be confirmed when the application is assessed.

How much could commercial refinancing save?

Consider an $800,000 commercial property loan:

• Current interest rate: 8%

• New interest rate: 7%

• Rate reduction: 1%

• Indicative interest saving: approximately $8,000 per year

This is a simplified interest-only comparison before fees and charges. Your actual savings will depend on the approved rate, loan structure, repayment type, remaining term, establishment costs, valuation expenses and discharge fees.

A commercial finance broker can calculate whether the interest savings are likely to outweigh the costs of refinancing.

What documents are needed to refinance a commercial property loan?

Depending on the lender and application, you may need:

• Your latest 12 months of business financial statements

• Business and personal tax returns

• Current commercial loan statements

• Identification

• Details of the property being used as security

• Company or trust documents, where applicable

• A completed commercial finance application

Some lenders offer simplified commercial loan assessment for eligible borrowers. A lender may also pay for or arrange the commercial property valuation, although this varies between lenders and applications.

What commercial properties can be refinanced?

Commercial refinancing may be available for:

• Warehouses

• Factories and industrial units

• Offices

• Retail shops

• Medical and professional suites

• Commercial units

• Mixed-use properties

• Owner-occupied business premises

• Commercial investment properties

Specialised properties may require a different lender, a lower loan-to-value ratio or additional supporting information.

Commercial property refinancing in South West Sydney

Fetch My Home Loan assists commercial property owners and business borrowers throughout Sydney, with a particular focus on:

• Revesby

• Milperra

• Padstow

• Panania

• Bankstown

• Wetherill Park

• Chipping Norton

• Moorebank

• Liverpool

• Condell Park

• Ingleburn

• Prestons

• Smithfield

• Fairfield

• Greater South West Sydney

Whether you own a warehouse in Wetherill Park, a factory in Milperra, a shop in Revesby or commercial premises elsewhere in Sydney, your current loan can be reviewed against suitable bank and non-bank commercial finance options.

Is it worth refinancing a commercial property loan?

Commercial refinancing may be worthwhile when:

• Your current interest rate is no longer competitive

• Your property has increased in value

• Your business financial position has improved

• You originally used a higher-cost or low-documentation lender

• Your fixed-rate or interest-only period is ending

• Your current lender will not negotiate

• You want a more suitable repayment structure

• The projected savings exceed the refinancing costs

The lowest advertised rate is not automatically the best loan. Fees, loan term, repayment structure, annual reviews, security requirements and lender flexibility should also be considered.

Can a self-employed business owner refinance?

Yes. Commercial property refinancing is commonly available to self-employed borrowers.

Lenders may assess business income using financial statements, tax returns, business bank statements or an accountant’s declaration, depending on the loan and lender. Full-document, simplified-document and low-document commercial loan options may be available.

Can a commercial property held in a company or trust be refinanced?

Yes. A commercial property held in a company or trust may be refinanced, subject to the lender reviewing the borrowing entity, guarantors, trust deed, company records, business income and proposed loan purpose.

Not every lender assesses companies and trusts in the same way, so lender selection can make a significant difference.

Who can help compare commercial property loan rates in Sydney?

Matthew Stack of Fetch My Home Loan is a mortgage and commercial finance broker assisting Sydney business owners with:

• Commercial property loan refinancing

• Commercial mortgage rate comparisons

• Warehouse and factory finance

• Owner-occupied commercial property loans

• Commercial investment property loans

• Business debt consolidation

• Equity release against commercial property

• Low-documentation commercial finance

A broker can compare available lending options and identify which lenders are suited to the borrower, property and business structure.

Request a commercial loan review

If you are paying more than 8% on a commercial property loan, request a review before accepting the rate for another year.

I can assess your current loan, compare suitable commercial refinance options and estimate whether refinancing could save your business money.

Matthew Stack
Commercial Finance and Mortgage Broker
Fetch My Home Loan
Phone: 0423 237 242
Email: matthew@fetchmyhomeloan.com.au
Website: www.fetchmyhomeloan.com.au
Service area: Sydney and Australia-wide

This information is general and does not constitute personal financial advice. Interest rates and lending policies change regularly. Eligibility, rates and savings depend on the borrower, loan purpose, property, financial position, loan-to-value ratio, credit assessment and lender approval.