Commercial securities FAQs
A quick reference guide for brokers outlining Pepper Money’s Commercial lending options, acceptable securities, LVR limits, and key policy settings.
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Loan sizes
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Location & security
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Acceptable securities
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Loan size limits
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Tools & resources
Loan sizes
Minimum
- $100,000
Maximum (exceptions considered)
- Prime Commercial: Up to $5,000,000
- Near Prime Commercial: Up to $4,000,000
- Total exposure: Up to $7,000,000
Location & security categories
Commercial securities
Category 1 and 2
- Accepted across Australia
Category 3
- Accepted in NSW, ACT, VIC, QLD and TAS
Max LVR: 60%
Lax loan size: $750,000
Residential securities
Category 1, 2 and 3
- Accepted across Australia
Max LVR: 80%
Exceptions considered up to 85%
Acceptable securities
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80%
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- Boarding houses
- Dual key
- Industrial / warehouses / factories
- Lifestyle properties
- Medical suites
- Mixed residential and commercial use
- Residential (3 dwellings, one title)
- Residential (3+ dwellings, one title)
- Residential (single security)
- Retail / shop front
- Serviced apartments
- Studio apartments
- Strata office / office showrooms
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75%
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- Permitted residential residual stock
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70%
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- Child care centres
- NDIS (non‑high care)
- Student accommodation
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65%
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- Vacant industrial land (hardstand)
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55%
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- NDIS (high care)
We won’t consider: Development sites, rural properties, motels, hostels, backpackers, commercial construction projects, places of worship, private hospitals, retirement villages, resorts/theme parks, recreation complexes, marinas, brothels, casinos/clubs, caravan parks, vineyards, display homes, petrol stations, NRAS properties, abattoirs, contaminated land, farms or hotels/clubs.
Loan size limits
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Up to 50% LVR
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Full doc: $5.0m
Alt doc: $4.0m–$3.5m*
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50–60% LVR
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Full doc: $4.5m
Alt doc: $4.0m–$3.0m*
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60 - 65% LVR
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Full doc: $4.5m
Alt doc: $4.0m–$3.0m*
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65 - 70% LVR
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Full doc: $4.0m*–$3.5m**
Alt doc: $3.0m–$2.0m**
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70 - 75% LVR
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Full doc: $4.0m*–$3.5m**
Alt doc: $3.0m–$2.0m**
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75 - 80% LVR
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Full doc: $2.5m
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80 - 85% LVR
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Full doc: $1.0m
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Up to 50% LVR
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Full doc: $4.0m
Alt doc: $4.0m–$3.0m**
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50 - 60% LVR
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Full doc: $4.0m
Alt doc: $3.5m**–$2.0m**
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60 - 65% LVR
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Full doc: $4.0m
Alt doc: $3.5m**–$2.0m**
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65 - 70% LVR
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Full doc: $4.0m*–$2.5m**
Alt doc: $3.0m–$1.5m**
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70 - 75% LVR
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Full doc: $3.0m*–$2.5m**
Alt doc: $2.5m
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75 - 80% LVR
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Full doc: $2.5m
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80 - 85% LVR
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Full doc: $1.0m
*Metro / **Non‑metro limits apply
Useful tools & resources
Product Guide
Commercial Rates & Fees
Postcode calculator
Commercial valuer panel
NDIS Factsheet
Boarding House Factsheet
Important information
Information is correct as of 6 May 2026 and is subject to change. Applications are subject to credit assessment, eligibility criteria and lending limits. Terms, conditions, fees and charges apply.
