Director-led commercial finance for Sydney investors, developers, and business owners.
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Most Sydney commercial borrowers are leaving money on the table.
Wrong loan structure. Wrong lender tier. Wrong rate. The right commercial broker changes everything.
Partner with a commercial loan broker in Sydney who not only connects you to bank and non-bank lenders, but structures the loan to help you achieve your investment goals. AFMS Group structures commercial finance for business owners, property investors, developers, and SMSF trustees across Sydney. Our principal director, Andrew Hadjidemetri, is an active property investor himself and oversees every client file, so every deal suits the buyer, not just the lender.
A commercial mortgage broker arranges loans for business use or investment property purchases, often through a panel of both bank and specialist non-bank commercial lenders.
Commercial lending focuses more on the property's business case, income potential, and deal structure, so it is generally more complex than residential lending. Commercial loan brokers evaluate your financial position and the investment, then help source and negotiate competitive terms with lenders, including some products that are only available through intermediaries.
If you're wondering whether you should use a mortgage broker, in short, a commercial broker manages the full deal cycle, from initial scoping through to settlement and ongoing reviews, to help you secure a loan structure that suits your situation.
Choosing the right commercial loan and broker can have a real impact on the success of your business investment. With deep knowledge across the core categories of commercial financing, and a full service range behind it, we can find the right loan for your business strategy.
Commercial property loans finance the purchase of offices, warehouses, retail, hospitality, industrial, or mixed-use property, and may also cover owner-occupied business premises.
Business loans fund growth, acquisitions, equipment purchases, and working capital, typically bridging temporary gaps between money coming in and money going out. AFMS Group's brokers help you navigate how business loans work in Australia and find the right lender. We arrange:
Development finance funds small to mid-tier residential, commercial, or mixed-use projects. Sydney boutique developers with projects under $20M typically need a non-bank specialist or private credit lender, so it pays to partner with an expert commercial mortgage broker. When qualifying for a construction loan, the following typically applies:
Often packaged alongside a commercial mortgage, asset and equipment finance covers fit-outs, machinery, vehicles, and capital equipment so you preserve cash flow. We specialise in:
SMSF lending allows a self-managed super fund to borrow to purchase a commercial property such as an office, warehouse, or factory. In some cases, multiple SMSFs may co-invest in the same property, but this must be structured carefully and in line with SMSF and arm's-length rules. The structure is popular among Sydney SMEs, but it is a niche: most big banks no longer offer SMSF commercial loans, and each lender sets its own rules for LVR, loan size, interest rates, and minimum fund balances.
Existing commercial facilities can often be refinanced into a more suitable structure or improved terms through a new lender, and many mid-tier and non-bank lenders offer flexible, competitive pricing for Sydney commercial properties. Our team can help you explore refinance options after a fixed-rate term ends, release equity for your next purchase, or consolidate debt across multiple facilities.
Not sure which structure fits your deal? Talk it through with a commercial specialist.
Call 1300 659 756AFMS Group works with 40+ commercial lenders across all five tiers. Our commitment to clients is guided by the Best Interests Duty: we use our lender relationships to identify suitable options and competitive pricing for your needs, rather than focusing on any single lender or product.
We work with 40+ commercial lenders to get you the best deal.
Sydney commercial property in 2026 is transitioning from repricing to selective recovery, with office and industrial leading the next phase while retail improves more unevenly (KPMG).
A good Sydney commercial broker should stay closely up to date with market trends so lending advice aligns with your financial goals. While a national broker can still be highly capable, knowing how to choose a mortgage broker in Sydney matters: a locally focused broker in Parramatta or Chatswood may be better placed to understand nuances such as changing lender appetite for CBD office assets versus suburban retail. Weighing up a specific asset? Request a free CoreLogic property report before you commit.
Five steps from first call to settlement, with most standard commercial property deals completing in 4 to 8 weeks.
We discuss your situation, goals, and timeline. No documents needed at this stage, just a conversation to understand what you're trying to achieve.
With commercial lending, structuring and security matter as much as the rate. We assess your financial position, the property details, and the loan types that fit. You can also run repayment scenarios with our loan repayment calculator.
We identify which lenders have the right expertise, products, and appetite for your asset and industry, then negotiate the terms.
We handle the preparation, documentation, and submission as efficiently as possible, packaged in full upfront so nothing stalls.
We're known for fast approvals, so you can get moving on the property. We then manage lender questions through to settlement.
A professional services firm refinanced a CBD office out of an expiring fixed rate. We moved the facility to a lender with stronger appetite for commercial office, improving the structure and releasing equity for a fit-out.
An established SME bought its own warehouse in a Western Sydney industrial precinct. We structured the loan with a mid-tier lender and prepared the documentation upfront, so the deal settled within the contract timeframe.
A business owner used their self-managed super fund to buy their commercial premises under a Limited Recourse Borrowing Arrangement, funded by a specialist SMSF lender.
Have a deal that looks like one of these? Tell us about it.
Call 1300 659 756Building a commercial property portfolio in Sydney requires the right mix of market awareness, loan structure, and lender selection to maximise commercial investment returns. AFMS Group's brokers help you assess your goals, work within lender appetite, and grow in a way that balances opportunity with risk.
If your first commercial property has grown in value, or you have spare equity in your residential portfolio, you can sometimes use that equity to buy another property. This can help you grow faster without needing to save a full cash deposit each time.
Cross-collateralisation means one lender ties multiple properties together under one security pool, which can simplify the setup but makes refinancing or selling one asset harder. Standalone facilities are usually cleaner because each property is financed separately, and that often gives you more flexibility later.
When you have several loans, the mix matters: some interest-only, some principal and interest, some fixed, some variable, and possibly spread across more than one lender. The goal is usually to balance cash flow today with flexibility tomorrow, rather than putting every loan into the same shape.
Lenders look at debt serviceability, exposure limits, and how much you already owe across your businesses and properties. In simple terms, the cleaner your structure and the stronger your income coverage, the more room you usually keep for the next deal.
A mixed portfolio can help because residential lending often has different servicing rules and can sometimes preserve capacity that commercial debt would otherwise use up quickly. In practice, investors often use residential assets, including investment property loans, to support overall growth while commercial assets do the heavier income-producing work. Understanding how investment loans work is a useful starting point.
Private credit can make sense when a bank won't go far enough on leverage, speed, or structure, especially for the next step in a growing portfolio. Banks are usually cheaper if the deal is straightforward, but private credit can be useful when you need more flexibility to keep moving.
The mechanics of scaling a commercial portfolio are far more complex than residential, and less forgiving when structured incorrectly upfront. Partner with an expert mortgage broker with over a decade of financial experience to help you scale in Sydney.
"I've structured more than $700 million in loans over the past decade, and commercial finance is where the structural mistakes get expensive fastest. The deals are more complex and harder to unwind later down the road. Here are the five mistakes Sydney commercial borrowers make most often."
Andrew Hadjidemetri · Principal Mortgage BrokerThe default move for Sydney SMEs is to walk into the bank they already transact with and sign up for a commercial mortgage. It's almost never the best move. The Big 4 can sometimes be more expensive than mid-tier or specialist lenders for the same deal structure.
The lender tier should match the deal complexity. For standard owner-occupied commercial properties, the Big 4 or mid-tier lenders may be suitable, whereas SMSF commercial loans need a specialist lender, and development projects may need a non-bank or private credit lender. Going to the wrong tier can cost you time and money.
Standalone facilities should be the first choice if they are workable, but I often see borrowers locked into cross-collateral loans with one bank to keep all their business in one place. If a commercial property is tied to residential security, it can constrain refinancing options, complicate equity release, and create blanket-default exposure. Standalone facilities may cost more upfront but preserve flexibility for the next deal.
Commercial applications need more paperwork than residential, and the deal stalls until it's all collated. Missing documents are the number one reason a commercial application drifts past the eight-week settlement window. We package the full documentation upfront, not in portions as and when the lender asks for it.
Settlement speed can often matter more than the rate in a commercial deal. On a $2M commercial property purchase, every extra week of delay can cost you the rent or revenue you could be earning. A 0.2% rate saving over five years may be wiped out if settlement is delayed by an extra month. We optimise deals for total cost and efficiency, not just the headline rate.
Most commercial mortgage brokers concentrate on getting the deal done. We stay on the file long after settlement. With AFMS Group, you can access:
Commercial financing should evolve with your business. We stay close enough to evolve with it.
Ready when you are. Book a no-obligation chat about your next move.
Book a ConsultationOur principal director, Andrew Hadjidemetri, not only leads the AFMS Group business, he has built an impressive Sydney property portfolio himself. Every commercial loan is structured by Andrew, not handed off to a junior, so you get real expertise and lived experience.
Our personalised approach and depth of experience saw AFMS Group named Top 10 Broker in Australia 2025 (MPA) alongside the MFAA Customer Service Award 2025, #1 NSW AFG Broker for Westpac 2025, AFG Top 5 Broker NSW 2025, and 22 industry awards and nominations since 2021.
Our lender panel lets us put your interests first rather than working from a curated subset of favourite lenders. Our private credit relationships in particular can unlock development finance and bridging finance scenarios that many generalist broker panels can't fund.
We know which lenders to lean on for different Sydney commercial postcodes. Whether it's CBD offices, Parramatta and Macquarie Park mixed-use, or Western Sydney industrial units, our suburb-level appetite knowledge saves you time on wasted applications.
When you take out commercial finance with AFMS Group, you're not handed off to a call centre. You'll work directly with our principal-led Sydney team. Andrew Hadjidemetri leads every commercial deal personally, supported by senior credit and finance broking staff who handle the end-to-end execution.
Meet our team, or learn more about AFMS Group. With availability seven days a week, 8am to 8pm, we're on hand to get the deal done efficiently.
AFMS Group holds 820+ five-star reviews with a 5.0 average across Google and Brokerpage.
No fees. No runaround. Just direct, experienced advice on your commercial deal, from a director-led Sydney team. It starts with a free 15-minute discovery call.
A commercial mortgage broker arranges financing for business use or investment property purchases through a panel of both bank and specialist non-bank commercial lenders. Commercial brokers help you navigate the complexities of lending requirements, focusing on the property's business case, income potential, and deal structure.
A typical commercial property loan deposit in Sydney ranges between 20% and 35%, depending on the deal type and serviceability.
Typical commercial LVRs in Sydney range from 65% for development to 80% for owner-occupied commercial.
Commercial interest rates are typically 0.5-2.0% higher than residential rates and vary by lender tier. With commercial properties, the rate is only one factor: deals also vary in terms, fees, covenants, and security release flexibility.
Standard Sydney commercial property loans typically settle in 4-8 weeks from first call to settlement, depending on the property type. Owner-occupied properties may take up to 8 weeks, while development and SMSF commercial loans may take longer to settle.
Yes, you can use your SMSF to purchase commercial property through a Limited Recourse Borrowing Arrangement. Owner-occupied premises are the most common structure for SMSF commercial loans, but they typically have a narrower specialist lender panel.
On standard commercial property loans, AFMS Group does not charge the borrower a broker fee. We earn through lender commissions but are bound by the Best Interests Duty to prioritise your interests, not our commission structure.
Some more complex commercial deals, such as development financing or SMSF structuring, may incur a fee. Any costs are disclosed in writing upfront before any work begins.
Not strictly, but a Sydney-based commercial mortgage broker brings suburb-level knowledge of lender appetite, local vacancy and yield trends, and the ability to meet in person on complex deals. For Sydney assets, that local depth typically translates into a better-matched lender and a smoother path to settlement.
This page provides general information only and does not constitute financial or credit advice. Speak to a licensed mortgage broker for advice tailored to your circumstances. Australian Credit Licence 389087.
