Commercial property lending in 2026 looks very different compared to just 12 months ago. Banks are now offering 100% loan to value ratios on commercial deals, 80% lending inside SMSF, and one lender is accepting 40% of business revenue as servicing even without profit on paper. At the same time, the same 6% net yield asset that qualified for 70% lending a few rate cuts ago now only gets about 65%, and minimum capital at the $3 million price point has moved from $1.1M to $1.25M.
In this episode of the Commercial Property Investing Podcast, Arjun Paliwal (CEO of InvestorKit) sits down with Jack Fouracre from Fouracre Financial and Chris Huxter, Partner of Commercial Investments at InvestorKit. They cover why 100% LVR deals aren't as simple as they sound, how SMSF balances of $900K and above are unlocking 80% commercial loans, when private lending at 10 to 15% makes sense, and what actually happens when a tenant vacates on a lease stock loan.
Chapters:
0:00, 100% LVR on Commercial: What It Actually Means
0:48, Welcome to the Commercial Property Investing Podcast
2:49, What's Changed in Commercial Lending Since Last Year
4:05, How Rising Rates Shifted Capital Requirements and ICR Figures
5:47, Full Doc vs Lease Stock: When LVRs Can Go Higher
6:33, 100% LVR Deals: The Hidden Structure Behind No Money Down
8:33, 80% LVR in SMSF: What Balance You Actually Need
10:22, Interest Rate Gaps Between 70% and 80% LVR
10:38, Owner Occupier vs Passive Commercial Lending
11:54, Private Lending: When It Makes Sense and What It Costs
13:14, What Actually Happens When a Tenant Leaves on a Lease Stock Loan
16:04, 40% Revenue Servicing: The Niche Most Business Owners Don't Know About
17:12, How Banks De-Risk and Why Big Deposits Open More Doors
18:26, Every Way to Fund a Commercial Deal in 2026
InvestorKit Commercial, Featuring Australian Commercial Buyers Agent of the Year, Chris Huxter (2026)
Ready to systematically enter the commercial market using corporate cash flow or surplus equity?
If you have over $1M in usable household equity, business surplus, or $750k in an SMSF, book your free data strategy session with our specialized corporate acquisitions desk: https://www.investorkit.com.au
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Disclaimer: The information provided in this podcast is general in nature and should not be considered as personal financial advice. The podcast host, guests, and contributors are not licensed financial advisors. Please seek professional financial advice that is tailored to your situation and circumstances before making any financial decisions.
