Sandhurst Commercial Investment Loans - Business Update
Following a strategic review of our business, we have decided to cease originating new commercial lending. This reflects a strategic focus on our core wealth management products and services and the long-term priorities of our business.
While we are no longer accepting new commercial lending applications, we remain committed to supporting our existing customers and partners throughout the transition. If you require any assistance or have questions regarding this change, please contacts our dedicated Commercial Lending Team via email or call us on 1800 634 969.
We have also prepared a list of Frequently Asked Questions for your convenience.
The Commercial Loan product/s referenced on this page are issued by our wholly owned subsidiary Sandhurst Trustees Limited (Sandhurst).
Carded Interest Rates
For lending over $1 million dollars rates may be subject to negotiation. Please contact us on 1800 634 969 for more information.
Variable rates
Rates apply from 01/04/2026
| Commercial Full Doc | Interest Only | Principal & Interest |
|---|---|---|
| Existing Business | 7.10% p.a. | 7.10% p.a. |
| New Business | 6.60% p.a. | 6.55% p.a. |
Fixed rates
Rates apply from 01/03/2026
| Commercial Full Doc | Interest Only | Principal & Interest |
|---|---|---|
| Fixed 1 year | 6.95% p.a. | 6.90% p.a. |
| Fixed 2 years | 6.90% p.a. | 6.85% p.a. |
| Fixed 3 years | 7.10% p.a. | 7.05% p.a. |
| Fixed 4 years | 7.35% p.a. | 7.30% p.a. |
| Fixed 5 years | 7.40% p.a. | 7.35% p.a. |
Notice of Verification Statement
This notice is given under section 157 of the Personal Property Securities Act 2009. It is made in accordance with the Personal Property Securities (Approved Form) Instrument 2011.
On 30 April 2012, a change was made to the Address for Service of the Secured Party Group listed in Schedule 1 below (Secured Party Group). The change to the Address for Service is detailed in Schedule 2 below (Address for Service Change).
Schedule 1 - Secured Party Group
Secured party group number: 101440467
Secured party details: SANDHURST TRUSTEES LIMITED
ACN 004 030 737
Schedule 2 - Address for Service Change
Secured party group number: 101440467
Secured party details: SANDHURST TRUSTEES LIMITED
ACN 004 030 737
Address for service
Email: PPSRSandhurstTrustees@bendigoadelaide.com.au
Mailing address:
Sandhurst Trustees - PPSR
Level 4, 555 Collins Street
Melbourne VIC 3000
AUSTRALIA
Physical address:
Sandhurst Trustees - PPSR
Level 4, 555 Collins Street
Melbourne VIC 3000
AUSTRALIA
Commercial Loan setup fees
Solicitors fees
All fees involved in the preparation and registration of the mortgage security documents
Valuation fee
By negotiation
Application fee
Up to 0.6% of the loan amount is payable once the loan has been approved and the offer accepted by the borrower. This confirms the applicant's acceptance of the loan.
Fees after settlement
No ongoing fees (where loan contract is complied with and is not varied).
Repayments
Monthly loan repayments
Guarantees
Joint and several guarantees of directors and beneficiaries of Trusts (Company Lending).
Security
First Registered Freehold Mortgage over Torrens or Strata Title.
Target Market Determinations for products are available.
Things you should know
Target Market Determinations for products are available.
Sandhurst Trustees
Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst) is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. Sandhurst is the responsible entity and issuer of the managed funds available on this website. Additionally, Sandhurst is the issuer of commercial lending products and the provider of traditional trustee services available on this website. Each of these companies receives remuneration on the issue of the product or service they provide. Investments in these products are not deposits with, guaranteed by, or liabilities of Bendigo and Adelaide Bank nor any of its related entities, and are subject to normal investment risk, including possible delays in repayment and loss of income and capital invested.
Information on the website is jointly prepared by Sandhurst and Bendigo and Adelaide Bank and subject to change without notice. Advice in relation to managed funds and commercial lending products is provided by Sandhurst. The information contains general advice only and does not take into account your personal objectives, situation or needs. Before making an investment decision in relation to these products you should consider your situation and read the relevant Product Disclosure Statement available on this site.
The information is given in good faith and has been derived from sources believed to be accurate at its issue date. Neither Sandhurst nor the Bendigo and Adelaide Bank give any warranty for the reliability or accuracy or accept any responsibility arising in any way, including by reason of negligence for errors or omissions for the information contained on this website. Neither Sandhurst nor the Bendigo and Adelaide Bank has an obligation to update, modify or amend this website or notify you in the event that a matter of opinion or projection stated changes or subsequently becomes inaccurate.
Neither Sandhurst nor Bendigo and Adelaide Bank is responsible for the content of any other site accessed via this site. That information is the responsibility of the site owner. Links to other sites are provided for convenience only and do not represent any endorsement by Sandhurst or the Bendigo and Adelaide Bank of the products and services offered by the site owner.
