Sandhurst Commercial Investment Loans
A niche product, aimed specifically at Commercial Investment clients, with flexible options to meet your requirements. We deal directly with clients and also with a number of accredited Brokers.
The Commercial Loan product/s referenced on this page are issued by our wholly owned subsidiary Sandhurst Trustees Limited (Sandhurst).
A dedicated lending team
Sandhurst has a committed and experienced lending team that will support you through the entire lending journey.
No ongoing fees
There are no ongoing fees after settlement where the loan contract is complied with and is not varied.
Negotiated rates
Ability to negotiate rates for lending over $1.5 million
Stand out product feature
We offer interest only terms for up to 7 years
Additional options
Purchase, refinance and equity release options available
About Sandhurst Commercial Loans
Who can apply?
Sandhurst Commercial Loans are available to individuals, partnerships, companies and discretionary trusts.
How is a Sandhurst commercial loan different?
Sandhurst Commercial Loans are a niche product, aimed specifically for Commercial Investment clients. Our product is designed for Commercial Investors, looking for a a simple solution for purchasing or refinancing Commercial Investment property.
Is redraw available?
For Principal & Interest Loans the redraw facility allows for redraws of $5,000 or more with a redraw fee of $50.
Line of Credit facilities allow for redraws over $2,000 with 3 free redraws per month. Fourth and subsequent redraws incur a $5 redraw fee.
How quickly can a commercial loan be approved?
Approval is dependent on credit quality and loan amounts sought, but in some circumstances we can have conditionally approved loans within 48 hours of all appropriate information being provided.
What terms are available?
| Loan type | Terms available |
|---|---|
| Interest Only | 1-7 years |
| Principal & Interest | Up to 20 years |
| Line of Credit | Subject to annual review |
How much can I borrow?
The minimum loan amount is $100,000, there is no set maximum loan amount. The following Maximum Loan to Valuation Ratios (LVR) apply:
| Loan type | Max LVR |
|---|---|
| Commercial | 66% |
| Commercial (Specialised security) | 50% |
| Industrial | 55% |
| Rural | 40% |
| Residential | 66% |
Carded Interest Rates
For lending over $1.5 million dollars rates may be subject to negotiation. Please contact us on 1800 803 173 for more information.
Rates apply from 01/04/2020
| Commercial Full Doc | Interest Only | Principal & Interest |
|---|---|---|
| Existing Business | 4.50% p.a. | 4.50% p.a. |
| New Business | 3.99% p.a. | 3.94% p.a. |
| Line of Credit | 5.95% p.a. | N/A |
Rates apply from 01/04/2020
| Commercial Full Doc | Interest Only | Principal & Interest |
|---|---|---|
| Fixed 1 year | 3.99% p.a. | 3.94% p.a. |
| Fixed 2 years | 3.99% p.a. | 3.94% p.a. |
| Fixed 3 years | 4.15% p.a. | 4.10% p.a. |
| Fixed 4 years | 4.35% p.a. | 4.30% p.a. |
| Fixed 5 years | 4.45% p.a. | 4.40% p.a. |
Want more information or ready to apply?
Contact our dedicated lending team through our online enquiry form or call 1800 803 173 (option 5)
Commercial lending forms
-
Sandhurst commercial lending applicationpdf, 944 KB
-
Sandhurst commercial lending application annexurepdf, 143 KB
-
Sandhurst commercial lending discharge authoritypdf, 143 KB
-
Privacy Disclosure and Consent Formpdf, 195 KB
-
Foreign tax glossarypdf, 73 KB
-
Foreign tax details formpdf, 78 KB
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 5, 120 Harbour Esplanade
Docklands VIC 3008
AUSTRALIA
Physical address:
Sandhurst Trustees - PPSR
Level 5, 120 Harbour Esplanade
Docklands VIC 3008
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
0.5% 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.
Things you should know
Sandhurst Trustees Limited
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. Each of these companies receive remuneration on the issue of the product or service they provide. Sandhurst is the responsible entity and issuer of the managed funds available on this website, and is also the trustee and issuer of the Bendigo superannuation products. Investments in these products are not deposits with, guaranteed by, or liabilities of Bendigo and Adelaide Bank and are subject to normal investment risk, including possible delays in repayment and loss of income and capital invested. Before making an investment decision in relation to one of these products you should consider your situation and read the relevant Product Disclosure Statement available on this site.
Sandhurst is the issuer of the commercial lending products and the provider of any traditional trustee services available on this website. The Bendigo Funeral Bond (“the Bond”) is an investment product issued by Australian Friendly Society Limited (“the Society”), ABN 29 087 648 851 AFSL 247028, with benefits provided by the Society’s Funeral Benefit Fund established under Schedule 1, Rule E of its constitution and administered by Sandhurst. The Travel Protection Plan is issued by AIA Australia Limited ABN 79 004 837 861 AFSL 230043. The Society is associated with the Bank and its related entities. Neither the Bank nor any of its related entities guarantee the repayment of capital invested or the investment performance of the Bond. Information is correct at the date of this document and is subject to change.
The content on this website has been jointly prepared by Sandhurst and Bendigo and Adelaide Bank and contains general advice only. Advice in relation to superannuation and managed investment schemes is provided by Sandhurst and advice in relation to life risk insurance is provided by Bendigo and Adelaide Bank. It is provided as general information and must not be relied upon as a substitute for financial planning, legal, tax or other professional advice. 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. The information contained on this website is subject to change without notice. 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 offered by the site owner.
