Commercial Loan Interest Rate Update – Variable Fixed Rates
As of September 2024, commercial loan interest rates in Australia are averaging around 6.75% for variable-rate loans and 7.10% for fixed-rate loans, depending on the loan type and borrower’s risk profile. The Reserve Bank of Australia (RBA) has kept the official cash rate steady at 4.10%, influencing lenders to maintain stable rates for commercial borrowing. The RBA’s cautious approach reflects its focus on supporting economic stability while controlling inflation. This steady rate environment offers businesses a predictable framework for financing, allowing for more confident planning in both expansion and operational strategies.
Below and interest rates we have successfully acquired for our clients.
| Loan Type | Interest Rate | Loan to Value | Security Type | Quotes |
|---|---|---|---|---|
| Traditional Lenders | ||||
| Variable Interest Rates | 6.14% to 9.74% | 80% | Commercial | Enquire |
| Variable Interest Rates | 6.14% to 7.59% | 90% | Residential | Enquire |
| Fixed Rates From | 6.12% to 8.89% | 80% | Commercial | Enquire |
| Lease Doc From | 6.49% to 7.89% | 80% | Commercial | Enquire |
| 1 Year Fixed from | 6.33% to 9.51% | 80% | Commercial | Enquire |
| 2 Year Fixed from | 6.21% to 9.63% | 80% | Commercial | Enquire |
| 3 Year Fixed from | 6.12% to 9.88% | 80% | Commercial | Enquire |
| 5 Year Fixed from | 6.26% to 9.71% | 80% | Commercial | Enquire |
| Self Employed Low Doc from | 7.09% | 80% | Commercial | Enquire |
| Development Rate from | 4.89% + line fee | 75% | Commercial | Enquire |
| SMSF Self Managed Super Fund from | 7.49% | 80% | Commercial | Enquire |
| Medical Professionals from | 6.12% | 100% | Commercial | Enquire |
| Private Lenders | ||||
| Variable Interest Rates from | 7.40% to 10.38% | 80% | Commercial | Enquire |
| Fixed Rates from | 8.35% to 11.15% | 80% | Commercial | Enquire |
| SMSF Property Finance from | 7.49% | 75% | Commercial | Enquire |
| Development Finance from | 7.45% | 75% | Commercial | Enquire |
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