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Sandhurst Commercial Investment Loans

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.

Product flexibility

Borrowers can choose from Interest Only, Principal and Interest, and Line of Credit facilities or a combination of all three with variable and fixed rate options.

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 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 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 generally we can have loans approved within 10 days 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 70%
Commercial (Specialised security) 50%
Industrial 50%
Light Industrial 70%
Rural 40%
Residential 80%

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
ACN 004 030 737

Schedule 2 - Address for Service Change

Secured party group number: 101440467
ACN 004 030 737

Address for service


Mailing address:
Sandhurst Trustees - PPSR
Level 5, 120 Harbour Esplanade
Docklands VIC 3008

Physical address:
Sandhurst Trustees - PPSR
Level 5, 120 Harbour Esplanade
Docklands VIC 3008


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).

Monthly loan repayments

Joint and several guarantees of directors and beneficiaries of Trusts (Company Lending).

First Registered Freehold Mortgage over Torrens or Strata Title.

Target Market Determinations for products are available.

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 01/08/2023

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.
Line of Credit 8.10% p.a. N/A
Fixed rates

Rates apply from 19/07/2023

Commercial Full Doc Interest Only Principal & Interest
Fixed 1 year 6.90% p.a. 6.85% p.a.
Fixed 2 years 6.75% p.a. 6.70% p.a.
Fixed 3 years 6.65% p.a. 6.60% p.a.
Fixed 4 years 6.65% p.a. 6.60% p.a.
Fixed 5 years 6.70% p.a. 6.65% p.a.

Want more information or ready to apply?

Contact our dedicated lending team through our online enquiry form or call 1800 634 969 (option 2)

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.

Bendigo and Adelaide Bank acknowledges Aboriginal and Torres Strait Islander peoples as the First Peoples of this nation and the Traditional Custodians of the land where we live, learn and work. We pay our respects to Elders past and present as it is their knowledge and experience that holds the key to the success of future generations.

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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