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Commercial Rate Watch

Note 1: All products (except Red) offer the same rates for P&I and Interest Only on Commercial Securities. Risk Fee is shown on Line 3 (below maximum loan size).

Note 2: Rates and fees are subject to change at any time without notice.

Note 3: There are no annual reviews - they are Set & Forget facilities using commercial property as security. There are no Fixed & Floating Charges over business assets. No Revaluations. Cash Out allowed on most loans.

Note 4: Commercial construction and vacant land can be found in Construction/Land Rate Watch. Commercial SMSF can be found in the SMSF Rate Watch.

Doc Type

Rate Type

Funder

Occupancy Type

Max Loan Values

Alt Doc

Prime
Loan Type Loan Name50%55%60%65%70%75%80%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
NavyNavy Comm Altdoc8.04%
$3,000,000
[0.50%]
8.04%
$3,000,000
[0.50%]
8.34%
$2,000,000
[0.50%]
8.54%
$2,000,000
[0.50%]
8.54%
$1,500,000
[0.50%]
22 Apr 202530 Jun 2025Nil mthsNil$990OO, INVPI24 mths30 yrs$3,000,000Min. Term - 3 Yrs | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC |
NavyNavy CommRes Bullet 658.99%
$2,500,000
[1.50%]
22 Apr 2025-Nil mths-990OO, INVIO24 mths3 yrs$2,500,000UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. |
OceanComm Diamond A Altdoc8.24%
$3,000,000
[N/A]
8.24%
$3,000,000
[N/A]
8.74%
$3,000,000
[N/A]
8.74%
$3,000,000
[N/A]
9.44%
$3,000,000
[N/A]
6 May 2025-Nil mthsNil1.00%OO, INVIO, PI24 mths30 yrs$3,000,000Cat 1 & 2 locations | 1.4x Int Cover using Net Rent & Actual rate | Refer Cash Out | 3 yrs incl options to run | No Proof of Lease Payments Required | New Purchase OK | App Fee 1.00% | ERF Waiver Fee - add 0.50% to App Fee |
OceanOcean Commercial Flip9.24%
$3,000,000
[Nil]
6 May 2025-Nil mths-1.50%OO, INVIO24 mths2 yrs$3,000,000UNREGULATED LOANS ONLY | Min. Term 6 Months | NO ERF | Expiry/ Renewal Fee is 0.50% | Monthly Repayments or Interest Budget (capitalized) | 
PurpleComm A Altdoc8.34%
$3,000,000
[Nil]
8.44%
$3,000,000
[Nil]
8.64%
$3,000,000
[Nil]
8.74%
$3,000,000
[Nil]
6 Mar 2025-Nil mthsNil1.5%OO, INVIO, PI12 mths30 yrs$3,000,000Most major regional locations considered | Will accept loans in individual names.
PurpleComm A Altdoc Max8.64%
$10,000,000
[Nil]
8.64%
$10,000,000
[Nil]
8.74%
$10,000,000
[Nil]
6 Mar 2025-Nil mthsNil1.5%OO, INVIO, PI12 mths30 yrs$10,000,000Most major regional locations considered | Will accept loans in individual names.
RedComm Prime Altdoc PI8.40%
$3,000,000
[0.50%]
8.40%
$3,000,000
[0.50%]
8.59%
$3,000,000
[0.50%]
8.74%
$3,000,000
[0.50%]
8.99%
$3,000,000
[0.50%]
9.59%
$3,000,000
[1.0%]
28 Feb 2025-Nil mths0.15%NilOO, INVPI12 mths30 yrs$3,000,000Legals: $995 Individual Borrowers | $1200 Company Borrowers | $1500 Trustee & Trust Borrowers | Fixed Val Fees to $2.0m. | OFFSET ACCOUNT | ETF 2.0% inside 3 yrs.|
Investor
NavyNavy Comm Altdoc8.04%
$3,000,000
[0.50%]
8.04%
$3,000,000
[0.50%]
8.34%
$2,000,000
[0.50%]
8.54%
$2,000,000
[0.50%]
8.54%
$1,500,000
[0.50%]
22 Apr 202530 Jun 2025Nil mthsNil$990OO, INVPI24 mths30 yrs$3,000,000Min. Term - 3 Yrs | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC |
NavyNavy Comm Quick Doc 50 - Land9.99%
$3,000,000
[1.50%]
22 Apr 2025-Nil mths-990INVIO24 mths2 yrs$3,000,000UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. |
NavyNavy Comm Quick Doc 659.99%
$3,000,000
[1.50%]
22 Apr 2025-Nil mths-990INVIO24 mths2 yrs$3,000,000UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. |
NavyNavy CommRes Bullet 658.99%
$2,500,000
[1.50%]
22 Apr 2025-Nil mths-990OO, INVIO24 mths3 yrs$2,500,000UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. |
OceanComm Diamond A Altdoc8.24%
$3,000,000
[N/A]
8.24%
$3,000,000
[N/A]
8.74%
$3,000,000
[N/A]
8.74%
$3,000,000
[N/A]
9.44%
$3,000,000
[N/A]
6 May 2025-Nil mthsNil1.00%OO, INVIO, PI24 mths30 yrs$3,000,000Cat 1 & 2 locations | 1.4x Int Cover using Net Rent & Actual rate | Refer Cash Out | 3 yrs incl options to run | No Proof of Lease Payments Required | New Purchase OK | App Fee 1.00% | ERF Waiver Fee - add 0.50% to App Fee |
OceanOcean Commercial Flip9.24%
$3,000,000
[Nil]
6 May 2025-Nil mths-1.50%OO, INVIO24 mths2 yrs$3,000,000UNREGULATED LOANS ONLY | Min. Term 6 Months | NO ERF | Expiry/ Renewal Fee is 0.50% | Monthly Repayments or Interest Budget (capitalized) | 
PurpleComm A Altdoc8.34%
$3,000,000
[Nil]
8.44%
$3,000,000
[Nil]
8.64%
$3,000,000
[Nil]
8.74%
$3,000,000
[Nil]
6 Mar 2025-Nil mthsNil1.5%OO, INVIO, PI12 mths30 yrs$3,000,000Most major regional locations considered | Will accept loans in individual names.
PurpleComm A Altdoc Max8.64%
$10,000,000
[Nil]
8.64%
$10,000,000
[Nil]
8.74%
$10,000,000
[Nil]
6 Mar 2025-Nil mthsNil1.5%OO, INVIO, PI12 mths30 yrs$10,000,000Most major regional locations considered | Will accept loans in individual names.
RedComm Prime Altdoc PI8.40%
$3,000,000
[0.50%]
8.40%
$3,000,000
[0.50%]
8.59%
$3,000,000
[0.50%]
8.74%
$3,000,000
[0.50%]
8.99%
$3,000,000
[0.50%]
9.59%
$3,000,000
[1.0%]
28 Feb 2025-Nil mths0.15%NilOO, INVPI12 mths30 yrs$3,000,000Legals: $995 Individual Borrowers | $1200 Company Borrowers | $1500 Trustee & Trust Borrowers | Fixed Val Fees to $2.0m. | OFFSET ACCOUNT | ETF 2.0% inside 3 yrs.|
Near Prime
Loan Type Loan Name50%55%60%65%70%75%80%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
OceanComm Emerald B Altdoc8.64%
$3,000,000
[N/A]
8.84%
$3,000,000
[N/A]
9.14%
$3,000,000
[N/A]
9.14%
$3,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INVIO, PI12 mths30 yrs$3,000,0001.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee @ 75% LVR | 1.0% App Fee to 70% LVR |
Investor
OceanComm Emerald B Altdoc8.64%
$3,000,000
[N/A]
8.84%
$3,000,000
[N/A]
9.14%
$3,000,000
[N/A]
9.14%
$3,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INVIO, PI12 mths30 yrs$3,000,0001.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee @ 75% LVR | 1.0% App Fee to 70% LVR |

Flip Loan

Prime
Loan Type Loan Name50%55%60%65%70%75%80%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
NavyNavy CommRes Bullet 658.99%
$2,500,000
[1.50%]
22 Apr 2025-Nil mths-990OO, INVIO24 mths3 yrs$2,500,000UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. |
OceanOcean Commercial Flip9.24%
$3,000,000
[Nil]
6 May 2025-Nil mths-1.50%OO, INVIO24 mths2 yrs$3,000,000UNREGULATED LOANS ONLY | Min. Term 6 Months | NO ERF | Expiry/ Renewal Fee is 0.50% | Monthly Repayments or Interest Budget (capitalized) | 
RedRed Commercial Solution Flip9.25%
$7,000,000
[Nil]
9.90%
$7,000,000
[Nil]
11 Mar 2025-Nil mths-1.825%OO, INVIO12 mths2 yrs$7,000,000Cat 1 Locations only | ETF of 2.0% if discharged in <half of contracted term | ATO Debts OK |  Cash Out OK | Company, Trusts & Individual OK | Min Term 6 months | Max 2 missed payments in last 6 mths | Minor- Moderate impairment considered | UNREGULATED ONLY |
Investor
NavyNavy Comm Quick Doc 50 - Land9.99%
$3,000,000
[1.50%]
22 Apr 2025-Nil mths-990INVIO24 mths2 yrs$3,000,000UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. |
NavyNavy Comm Quick Doc 659.99%
$3,000,000
[1.50%]
22 Apr 2025-Nil mths-990INVIO24 mths2 yrs$3,000,000UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. |
NavyNavy CommRes Bullet 658.99%
$2,500,000
[1.50%]
22 Apr 2025-Nil mths-990OO, INVIO24 mths3 yrs$2,500,000UNREGULATED only | Max Term 3 Year - Min. Term 6 months | Rate Loadings may apply | Mthly repayment or Interest Capitalized for 1 Yr [ICAP] | ERF applies if discharged in <6 months | Secondary Exit Strategy is Mandatory if ICAP applies | Max Loan $2.5m -Resi; $3m - Comm. |
OceanOcean Commercial Flip9.24%
$3,000,000
[Nil]
6 May 2025-Nil mths-1.50%OO, INVIO24 mths2 yrs$3,000,000UNREGULATED LOANS ONLY | Min. Term 6 Months | NO ERF | Expiry/ Renewal Fee is 0.50% | Monthly Repayments or Interest Budget (capitalized) | 
RedRed Commercial Solution Flip9.25%
$7,000,000
[Nil]
9.90%
$7,000,000
[Nil]
11 Mar 2025-Nil mths-1.825%OO, INVIO12 mths2 yrs$7,000,000Cat 1 Locations only | ETF of 2.0% if discharged in <half of contracted term | ATO Debts OK |  Cash Out OK | Company, Trusts & Individual OK | Min Term 6 months | Max 2 missed payments in last 6 mths | Minor- Moderate impairment considered | UNREGULATED ONLY |

Full Doc

Prime
Loan Type Loan Name50%55%60%65%70%75%80%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
NavyNavy Commercial7.54%
$3,000,000
[0.50%]
7.74%
$2,000,000
[0.50%]
8.14%
$2,000,000
[0.50%]
8.14%
$1,500,000
[0.50%]
22 Apr 202530 Jun 2025Nil mthsNil$990OO, INVPI24 mths30 yrs$3,000,000Min. Term - 3 Yrs | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC | 😊😊
OceanComm Diamond A7.69%
$3,000,000
[N/A]
7.69%
$3,000,000
[N/A]
8.19%
$3,000,000
[N/A]
8.19%
$3,000,000
[N/A]
8.69%
$3,000,000
[N/A]
6 May 2025-Nil mthsNil1.00%OO, INVIO, PI24 mths30 yrs$3,000,0001.0% App Fee | 1.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only. | ERF Waiver Fee - add 0.50% to App Fee |
PurpleComm FD A7.84%
$3,000,000
[Nil]
8.09%
$3,000,000
[Nil]
8.09%
$3,000,000
[Nil]
8.34%
$3,000,000
[Nil]
6 Mar 2025-Nil mthsNil1.5%OO, INVIO, PI12 mths30 yrs$3,000,000Most major regional locations considered | Will accept loans in individual names.
PurpleComm FD Max A8.14%
$10,000,000
[Nil]
8.34%
$10,000,000
[Nil]
8.54%
$10,000,000
[Nil]
6 Mar 2025-Nil mthsNil1.5%OO, INVIO, PI12 mths30 yrs$10,000,000Most major regional locations considered | Will accept loans in individual names.
RedComm Prime PI7.85%
$3,000,000
[0.50%]
7.85%
$3,000,000
[0.50%]
8.15%
$3,000,000
[0.50%]
8.15%
$3,000,000
[0.50%]
8.55%
$3,000,000
[0.50%]
9.15%
$3,000,000
[1.0%]
28 Feb 2025-Nil mths0.15%NilOO, INVPI12 mths30 yrs$3,000,000Legals: $995 Individual Borrowers - $1200 Company Borrowers - $1500 Trustee & Trust Borrowers | Fixed Val Fees to $2.0m. | OFFSET ACCOUNT | 2.0% ETF inside 3 yrs. |
Investor
NavyNavy Commercial7.54%
$3,000,000
[0.50%]
7.74%
$2,000,000
[0.50%]
8.14%
$2,000,000
[0.50%]
8.14%
$1,500,000
[0.50%]
22 Apr 202530 Jun 2025Nil mthsNil$990OO, INVPI24 mths30 yrs$3,000,000Min. Term - 3 Yrs | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC | 😊😊
OceanComm Diamond A7.69%
$3,000,000
[N/A]
7.69%
$3,000,000
[N/A]
8.19%
$3,000,000
[N/A]
8.19%
$3,000,000
[N/A]
8.69%
$3,000,000
[N/A]
6 May 2025-Nil mthsNil1.00%OO, INVIO, PI24 mths30 yrs$3,000,0001.0% App Fee | 1.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only. | ERF Waiver Fee - add 0.50% to App Fee |
PurpleComm FD A7.84%
$3,000,000
[Nil]
8.09%
$3,000,000
[Nil]
8.09%
$3,000,000
[Nil]
8.34%
$3,000,000
[Nil]
6 Mar 2025-Nil mthsNil1.5%OO, INVIO, PI12 mths30 yrs$3,000,000Most major regional locations considered | Will accept loans in individual names.
PurpleComm FD Max A8.14%
$10,000,000
[Nil]
8.34%
$10,000,000
[Nil]
8.54%
$10,000,000
[Nil]
6 Mar 2025-Nil mthsNil1.5%OO, INVIO, PI12 mths30 yrs$10,000,000Most major regional locations considered | Will accept loans in individual names.
RedComm Prime PI7.85%
$3,000,000
[0.50%]
7.85%
$3,000,000
[0.50%]
8.15%
$3,000,000
[0.50%]
8.15%
$3,000,000
[0.50%]
8.55%
$3,000,000
[0.50%]
9.15%
$3,000,000
[1.0%]
28 Feb 2025-Nil mths0.15%NilOO, INVPI12 mths30 yrs$3,000,000Legals: $995 Individual Borrowers - $1200 Company Borrowers - $1500 Trustee & Trust Borrowers | Fixed Val Fees to $2.0m. | OFFSET ACCOUNT | 2.0% ETF inside 3 yrs. |
Near Prime
Loan Type Loan Name50%55%60%65%70%75%80%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Owner Occupier
Navyndis Commercial7.54%
$3,000,000
[0.50%]
7.54%
$3,000,000
[0.50%]
22 Apr 202530 Jun 2025Nil mthsNil$990OO, INVPI12 mths yrs$3,000,000Min. 3 lockable units - Unlimited total units | Must have SDA Agreement  | Must be min. 50% tenanted | Postcode restrictions apply |
OceanComm Emerald B8.24%
$3,000,000
[N/A]
8.29%
$3,000,000
[N/A]
8.49%
$3,000,000
[N/A]
8.49%
$3,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INVIO, PI12 mths30 yrs$3,000,0001.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee @ 75% LVR | 1.0% App Fee to 70% LVR |
Investor
Navyndis Commercial7.54%
$3,000,000
[0.50%]
7.54%
$3,000,000
[0.50%]
22 Apr 202530 Jun 2025Nil mthsNil$990OO, INVPI12 mths yrs$3,000,000Min. 3 lockable units - Unlimited total units | Must have SDA Agreement  | Must be min. 50% tenanted | Postcode restrictions apply |
OceanComm Emerald B8.24%
$3,000,000
[N/A]
8.29%
$3,000,000
[N/A]
8.49%
$3,000,000
[N/A]
8.49%
$3,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%OO, INVIO, PI12 mths30 yrs$3,000,0001.25x ITC | ERF applies individual & company applicants | Cat 1 & 2 locations only | 1.25% App Fee @ 75% LVR | 1.0% App Fee to 70% LVR |

Leasedoc

Prime
Loan Type Loan Name50%55%60%65%70%75%80%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Investor
NavyNavy Leasedoc7.54%
$3,000,000
[0.50]
7.54%
$3,000,000
[0.50%]
7.74%
$3,000,000
[0.50%]
22 Apr 202530 Jun 2025Nil mths0.30%$990INVPI24 mths30 yrs$3,000,000Min. Term - 3 Yrs | Offset not available | Metro Locations only | IO Bullet Available | 1.3x ITC | Can accept New Lease with min 1 Yr term |
OceanDiamond A Leasedoc7.69%
$3,000,000
[N/A]
7.69%
$3,000,000
[N/A]
8.19%
$3,000,000
[N/A]
8.19%
$3,000,000
[N/A]
6 May 2025-Nil mthsNil0.85%INVIO, PI24 mths30 yrs$3,000,000Cat 1 & 2 locations | 1.4x Int Cover using Net Rent & Actual rate | Refer Cash Out | 3 yrs incl options to run | No Proof of Lease Payments Required | New Purchase OK | App Fee 1.00% | ERF Waiver Fee - add 0.50% to App Fee |
PurpleLeasedoc A7.84%
$3,000,000
[Nil]
8.09%
$3,000,000
[Nil]
8.09%
$3,000,000
[Nil]
8.34%
$3,000,000
[Nil]
6 Mar 2025-Nil mthsNil1.5%INVIO, PI12 mths30 yrs$3,000,000All locations considered | Individual names OK. | 1.2x Int Cover - actual rate & repayments using Net Rent | 1 Yr to run | Min 6 mths proof of payments | Related parties allowed | App Fee 1.50%
PurpleLeasedoc A Max8.14%
$10,000,000
[Nil]
8.34%
$10,000,000
[Nil]
8.54%
$10,000,000
[Nil]
6 Mar 2025-Nil mthsNil1.5%INVIO, PI12 mths30 yrs$10,000,000All locations considered. Individual names OK. 1.2x Int Cover - actual rate & repayments using Net Rent. 1 Yr to run ; Min 6 mths proof of payments. Related parties allowed.
Near Prime
Loan Type Loan Name50%55%60%65%70%75%80%Eff Date Promo Exp Clawback IO Load App Fee Occupancy Repays ABN Max Term Max Loan Notes
Investor
OceanEmerald B Leasedoc8.24%
$3,000,000
[N/A]
8.29%
$3,000,000
[N/A]
8.49%
$3,000,000
[N/A]
8.49%
$3,000,000
[N/A]
6 May 2025-Nil mthsNil1.25%INVIO, PI12 mths30 yrs$3,000,000Cat 1 & 2 locations only | 1.4x Int Cover using Net Rent | Actual rate | 2 yrs incl options to run | App Fee 1.25% to 70% LVR
OceanOnyx C Leasedoc8.74%
$3,000,000
[N/A]
8.79%
$3,000,000
[N/A]
8.99%
$2,000,000
[N/A]
6 May 2025-Nil mthsNil1.50%INVIO, PI12 mths30 yrs$3,000,000Cat 1 & 2 locations only. 1.4x Int Cover using Net Rent | Actual rate. Refer Cash Out.          New Lease or <1yr incl options to run.
PurpleLeasedoc B8.14%
$3,000,000
[Nil]
8.34%
$3,000,000
[Nil]
8.44%
$3,000,000
[Nil]
8.74%
$3,000,000
[Nil]
6 Mar 2025-Nil mthsNil1.5%INVIO, PI12 mths30 yrs$3,000,000All locations considered. Individual names OK. 1.2x Int Cover - actual rate & repayments using Net Rent. 1 Yr to run ; Min 6 mths proof of payments. Related parties allowed.