As we’re nearing the end of 2025, you might be one of those Australian business owners considering spending some time in the re-evaluation of their commercial property loans. With fluctuating property values and shifting market conditions amid a bit stabilising interest rates, NOW could be the perfect timing for you to explore some commercial property refinancing options in Australia – especially when it’s across major cities.
Whether your goal is to expand funds, lower repayments, or access equity, refinancing your business property loan can strategically help you empower your cash flow and accelerate profitability.
You do not need to have any financials for refinancing commercial property if there is evidence of 12 months commercial property loans with a good credit score that’s all you need to have.
Save thousands on your commercial property loans repayments!
Here’s all that you should know before you make any move.
Why Consider Refinancing Your Commercial Property NOW?
Have you realised yet that refinancing isn’t all about chasing a lower rate? Yes, you read that right. It’s in fact more about aligning your finance with your business’s future direction.
Here’s why smart business owners have been choosing refinancing options for their warehouse, offices or commercial property loans even before 2025 wraps up –
- The golden advantage of interest rate
As rates begin to stabilise, lenders have also started offering sharper deals. This particularly intends to attract commercial clients. - Optimisation of cash flow
If you consider switching to a better loan structure, it can clearly reduce your monthly repayment burden, freeing up working capital. - Access to equity
Use your property’s raised value to unlock funds for the next investment, new equipment, or expansion. - Debt consolidation
Combine multiple debts into a single manageable business property loan with an overall low interest. - The fixed-rate opportunity
Secure predictable repayments for your long-term stability amid such uncertain market conditions.
2025 Strategies to Refinance Your Commercial Property
1. Start with a Professional Loan Review
Before switching lenders, we always recommend our clients to get their current loan structure assessed by experienced brokers like VOXFIN’s. We’ll identify savings opportunities, compare loan terms across over 40 lenders, and ensure you’re not paying more than necessary.
2. Reassess Your Loan-to-Value Ratio (LVR)
Post-COVID-19 recovery, property values have shifted drastically. Here’s when your LVR plays a major role. It tells you what refinance deals you qualify for. Not to mention, a lower LVR could unlock better rates and higher flexibility for your next property refinance.
3. Optimise Loan Terms for Cash Flow
Instead of just lowering your rate, we recommend you to structure repayments around your business cycle. Exploring options like interest-only periods, balloon payments, or extending loan tenure can dramatically improve liquidity.
4. Tap into Equity for Growth
One of the key benefits of refinancing is that it allows you to extract equity from your existing property to later reinvest in your new commercial equipment, renovation of your office space, business expansion, another property deal, or stronger working capital.
5. Consider a Split Loan Strategy
A mix of variable and fixed components can offer impeccable flexibility, locking in part of your loan for rate security while also keeping the other portion open to benefit from future rate drops.
6. Explore Both Non-Bank & Specialist Lenders
Many non-bank lenders now offer highly competitive commercial refinance products, especially for self-employed applicants or those specifically seeking low-doc options. At VOXFIN, our specialist mortgage brokers in Melbourne help clients access tailored finance solutions even when traditional banks refuse.
7. Avoid Early Exit Costs
Before considering refinancing, make sure you review the existing loan’s discharge fees, fixed-term penalties, or break costs. If you aren’t managing these meticulously, they can straightway eat into your savings. VOXFIN’s commercial property refinance broker can calculate the break-even point accurately for you.
Top 6 Benefits of Refinancing with VOXFIN
When it comes to commercial property refinance across Melbourne and all over Australia, all you need to do is select the right partner.
Here’s how VOXFIN simplifies the process for you –
- Direct access to 40+ leading bank and non-bank lenders
- 24-hour loan assessment guaranteed
- No upfront fees or hidden costs
- Expertise in low-doc or complex scenarios
- Custom loan structuring for maximum business growth
- Support for both investment commercial & owner-occupied properties
Understanding When’s the Right Time to Refinance
As we move forward to the new year 2026, we can see that the window of opportunity for refinancing at competitive rates is opening wider. If you’ve been failing to review your commercial loan in the past 18–24 months for some reason, there are chances that you’re overpaying already. It’s thus important to know when is the right time to refinance.
If you consider refinancing now, it can position your business for –
- A stronger balance sheet heading into 2026
- Reduced interest expenses
- Better leverage for future property or business expansion
No matter whether you require guidance on refinancing an office, a warehouse, a retail space, or mixed-use property, we are here with you from start to settlement. We expertly negotiate with lenders on your behalf for the most flexible terms possible and the lowest rate. Partnering with VOXFIN will be your wisest decision, because we’re Australia’s trusted commercial refinance experts.
Why keep waiting until rate trends shift again? It’s time to take control of your own commercial finances! Let our property refinance experts help you.
You can contact us over a call at 03 7065 2000 or simply visit voxfin.com.au to book a commercial property refinance consultation with our team.
