Commercial Property
Complex deals deserve clear thinking. We provide commercial property finance with flexible structures, fast turnarounds, and a willingness to look at deals others won't.
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Purchasing premises or expanding operations.
Acquiring or refinancing commercial assets.
Funding small to mid-scale projects.
Investing in commercial property through super.
Looking for a responsive lender for complex commercial deals.
What we finance
Funding for the purchase or refinance of offices, retail, industrial, and mixed-use commercial property. Flexible terms and competitive rates for standard and non-standard deals.
Funding for small to mid-scale property developments, with staged drawdowns aligned to construction milestones.
Loans secured against commercial or residential property for business acquisition, cash flow, fit-out, or expansion.
Commercial property lending within self-managed super funds, structured for compliance and long-term portfolio growth.
The NDIS invests in and provides homes for people who are covered by the scheme, making sure they have the best possible life.
We assess deals on their merits — including asset strength, cash flow, and borrower capability — not just tick-box criteria.
In-house credit authority means faster indicative terms and quicker formal approvals.
Multiple entities, trust structures, mixed-use assets, non-standard income — we work through the complexity with you.
Our commercial lending team has deep experience across retail, industrial, office, and mixed-use property sectors.
We have the answers for you
What types of loans does 360MMS offer?
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We provide residential home loans (owner-occupied and investment), commercial property finance, construction loans, SMSF lending, bridging finance, equity release, and business-purpose lending. We also lend to corporate and trust structures including Pty Ltd companies, family trusts, unit trusts, and hybrid trusts.
How is 360MMS different from going to a bank?
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We are a non-bank lender that considers your full story, goals and circumstances alongside the asset and cash flow — not just a standard credit-score checklist. Our own-book lending and specialist broking model can provide flexible options for residential and commercial finance, subject to assessment.
Can I apply directly, or do I need a broker?
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You can apply through your preferred mortgage broker or contact us directly. We can help you understand the options and next steps for your situation, subject to our assessment process.
Do you lend to self-employed borrowers?
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Yes. We work with self-employed borrowers whose income may not fit a standard payslip. Each application is assessed on its circumstances and lending criteria.
Can I borrow through a company or trust?
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Yes. We work with eligible individuals, companies and trust structures, including Pty Ltd companies, family, discretionary, unit and hybrid trusts and corporate trustees of SMSFs. Each application is assessed on its circumstances and lending criteria.
Do you offer SMSF home loans?
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Yes. We offer SMSF lending for residential and commercial property, structured to meet compliance requirements and subject to fund, security and borrower assessment.
What is the maximum LVR I can borrow?
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We currently offer up to 95% LVR for qualifying residential borrowers, with up to 102% available with LMI, and up to 80% LVR for commercial property. Actual LVR depends on the application, security, product and lender assessment.
