Standard Commercial
Rates Case by Case
*Promotion Rate
About Standard Commercial
- Max LVR: 80%
- Max Loan Amount: $3,000,000
- A Diverse Range of Borrowers
- No Application Fee
- Full Doc or Alt Doc
- 100% Offset Facility Available
Loan Purpose and Rate - From 23 May 2025, all new Commercial loan submissions will be assessed on a case-by-case basis until further notice.
Product Summary
| Security type | Commercial |
| Loan Amount | $150,000 to $3,000,000 |
| Maximum LVR | 80% |
| Loan Term | Up to 30 Years |
| Borrower Type | Individual, Company or Trust, SMSF |
| Loan Purpose | Purchase or Refinance Investment Property |
| Repayment Method | Direct debit from nominated bank account |
| Offset Facility | 100% Offset Facility Available |
| Interest structure | Principal and Interest & Interest Only (Up to 5 Years) |
| Risk Fee | 1.00% for LVR > 75% |
| Application fee | $0 |
| Pre-Assessment Fee | 0.50% |
Document Checklist
Income Documents (PAYG)
- Latest 2 Payslips PLUS
- Employment Letter
- 1 Month Salary Credit
- Employment Contract
Income Documents (Self-Employed Full Doc)
- Most Recent 2 Years Company Tax Returns and Financial Statements
- Most Recent 2 Years Personal Tax Returns and Notice of Assessment
- OR
- 1 Year's Financials and Tax Returns for Prime and Flex Products
Income Documents (Self-Employed Alt Doc)
- Declaration of Financial Position PLUS
- One of the following:
- Accountant Letter
- 12 Months BAS
- 12 Months Bank Statement