About Gateway's Commercial Loans

Gateway Commercial Mortgages are designed to provide flexible funding options for business owners and investors for loans from $250,000 to $10 million. Our competitive rates and flexible lending solutions provide a range of options to business owners and investors looking to purchase or refinance commercial real estate, including rewarding energy efficient commercial properties.

If you currently own your own commercial property, our 30 year loan term* for Principal & Interest repayments and no annual reviews gives you flexibility and confidence to manage your business or investments for the long term.

Plus, you can also take comfort in the fact that the interest from your loan does not fund industries that harm the environment, including the fossil fuel, deforestation, tobacco, gambling or live export industries. Read more about our Ethical Banking and Ethical Investing policies here.

 

Commercial Property Loan

Gateway Commercial Property Loan offers borrowers a range of flexible options for loans from $250,000 to $4 million.

  • 30 Year Loan term for Principal & Interest repayments
  • No annual reviews
  • Max 70% LVR
  • Redraw available
  • Principal & Interest and Interest Only options available
  • Cash out available*

  

  • Loans from $250,000 to $4 million
  • Make additional payments with redraw facility available
  • Principal & Interest and Interest Only options
  • Up to 60% LVR 6.94%p.a. Interest rate

Green Commercial Property Loan

Gateway’s Green Commercial Property Loan rewards members with at least a 0.15% discount from our Commercial Property Loan^ for commercial properties which have achieved an energy efficiency rating of 4 Stars and above from NABERS or Green Building Council of Australia (GBCA). This loan is designed to support individuals, businesses, and investors efforts in reducing commercial property energy consumption and minimise their impact on the environment.

  • Loans from $250,000 to $4 million
  • Max 70% LVR
  • No annual reviews
  • Up to 70% LVR 6.64%p.a. Interest rate

Commercial Plus Property Loan

Gateway Commercial Plus Property Loan is designed for those looking to fund a larger commercial property with loans from $4 million to $10 million.

  • 30 Year Loan term for Principal & Interest repayments
  • No annual reviews
  • Max 65% LVR
  • Redraw available
  • Principal & Interest and Interest Only options available
  • Cash out available*

  

  • Loans from $4 million to $10 million
  • Make additional payments with redraw facility available
  • Principal & Interest and Interest Only options
  • Up to 60% LVR 7.19%p.a. Interest rate

Find more information about commercial lending with Gateway Bank

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Important Information
*Rates advertised apply to principal and interest repayment types only. The maximum loan term for principal and interest repayment type is 30 years. The maximum loan term for interest only repayment type is 5 years. Gateway reserves the right to vary these interest rates at any time. Interest rates quoted are for new lending only. Existing borrowers should contact Gateway to discuss their requirements. Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are available on application. Other fees and charges may apply.

^The Green Commercial Property Loan owner tenant or investor variable rate will have at least a 0.15%pa discount from Gateway’s Commercial Property Loan (LVR up to 70%) owner tenant or investor variable rate. The Green Commercial Property Loan owner tenant or investor interest only variable rate will have at least a 0.15%pa discount from Gateway’s Commercial Property Loan (LVR up to 70%) owner tenant or investor interest only variable rate.

Footnotes:

  • 1 Variable Rate less than or equal to 60% LVR