Compare commercial property loan rates
Get a feel for commercial refinance pricing below 70% LVR. Explore bank rate illustrations and published starting rates, then compare low-doc and reduced-documentation options.
Sources checked: 2 October 2026. Illustrative estimates and advertised starting rates are not personalised quotes. Rates can change without notice.
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Westpac and St.George figures are illustrations using an assumed discount, not verified negotiated pricing. CBA and ING figures are published indications. These banks are not presented here as low-doc offers.
Westpac
Illustrative commercial refinance
7.02–7.52% p.a.
Example only: published 9.02% base less an assumed 1.50–2.00 percentage-point discount. The discount is unverified; this is not Westpac’s quoted or advertised customer rate.
St.George
Illustrative commercial refinance
7.81–8.31% p.a.
Example only: published 9.81% base less an assumed 1.50–2.00 percentage-point discount. The discount is unverified; this is not St.George’s quoted or advertised customer rate.
CBA
Secured BetterBusiness Loan
From 7.29% p.a.
Published starting rate across residential, rural and commercial security. Your commercial-property rate requires assessment; no specific below-70% rate is published.
ING
$1 million–$8 million
6.99% p.a.
Published commercial variable rate. P&I or interest only; all eligible LVRs. This is not presented as a low-doc product. Source updated 14 May 2026.
Low-doc commercial rates
For enquiries below 70% LVR. Liberty and La Trobe publish starting rates, but neither source guarantees that rate for every loan below 70% LVR. Where a current public rate cannot be confirmed, request a personalised quote.
Liberty
Low doc commercial — below 70% LVR enquiries
From 8.00% p.a.
Published low-doc starting rate, not a dedicated below-70% tier. Actual pricing depends on LVR and income evidence. Interest only adds 0.50 percentage points.
La Trobe Financial
Commercial Lite Doc — below 70% LVR enquiries
From 8.29% p.a.
Credit grade A: loans up to $5 million at up to 70% LVR — 8.29% p.a. Above $5 million to $10 million: 8.79% up to 65% LVR; 8.89% above 65% to 70%. Published August 2026 guide; confirm current pricing. Application fee from 1.25%, plus valuation and legal costs.
Upcoming change: Westpac and St.George announce a 0.25 percentage-point increase from 9 October 2026 for applicable cash-rate-linked lending. The examples above use the base rates published on 2 October; confirm current pricing when requesting a quote.