Commercial Lending

Why TPT Wealth

Traditional relationship management where you are able to deal directly with our commercial lending managers.

Combining personal service that you can trust with flexible and tailored lending solutions that offer competitive commercial loan interest rates & fee structures, option of long term interest only periods and local credit decision making.

Commercial Lending Experience

Our experienced relationship managers provide a pragmatic and flexible approach to commercial as well as business lending and a high level of personal service.

With TPT Wealth you can take advantage of a number of flexible options so that your commercial loan best suits your needs over the long term.

Assisting you with:

The purchase of commercial property
Construction & property development
Subdivision of land
Self-managed super fund (SMSF) property purchases
Refinances of business, commercial and SMSF lending
Business expansion

Our Interest Rates1

Variable Rates
Residential Security 5.55% p.a.
Commercial & Rural Security 5.35% p.a.
3 Month Reset Rate2 Product temporarily withdrawn
Fixed Rates
1 Year 4.35% p.a.
2 Years 4.45% p.a.
3 Years 4.55% p.a.

1 Customer margin may apply for SMSF lending or if the loan is deemed high risk.

2 Only available to approved new business. Minimum loan amount $500,000. Facility fee of $137.50 per quarter (including GST) applies, in addition to standard loan fees and charges. Rate resets on a quarterly basis with a predetermined formula, as detailed in individual loan agreements.


Call this number to talk to an experienced relationship manager.

Call 1300 138 044

Frequently Asked Questions

1How long does it take for the loan to be approved?

Commercial loans are more complex and require more information than consumer lending. Due to this, for simple transactions if all supporting documents are provided upfront then we can generally provide a decision from 4 weeks. The application and credit decisioning process will take longer if the file is more complex or involves specialised security.

2What is the standard loan term?

TPT Wealth Commercial loans do not have a set loan term. Instead the loans are provided for a one to three year loan term where they will then be reviewed. Provided that the loan is able to pass the review process, the loan will be extended for a further period.

TPT Wealth Self-Managed Super Fund loans are issued for up to 25 years depending on the security type.

3Do I need to provide security?

We are able to lend up to 80% of the security value, depending on the security type provided.

Please contact one of our lending managers on 1300 138 044 or by emailing and they will be able to discuss your security type and the maximum loan to value ratio we are able to offer.

4Our fees, repayments and interest

Interest is charged quarterly in arrears. This is payable on the first of January, April, July and October. Statements will be provided prior to the end of the month that will outline the interest that is due.

Principal repayments will be due as outlined in your individual loan agreement.

A review fee will be charged to the loan account every 1 to 3 years depending on the structure of the loan.

There are no monthly, quarterly or yearly loan service fees unless the 3 month interest rest rate is chosen.

A breakdown of our fees and charges will be provided upon application.

5Do you have loan redraws?

Most loans will have redraw options available. No funds are able to redrawn whilst the loan has a fixed interest rate.

Surplus funds within the loan account can be accessed by completing the drawdown notice request form and providing this to your lending manager, emailing this to or posting this to GPO Box 227, Hobart TAS 7001.

6How much can I borrow?

How much you are able to borrow depends on the security you are able to provide and your income to service the loans. Please contact one of our lending managers on 1300 138 044 and they will be able to discuss your situation in more detail.

7Who do you lend to?
  • Self-employed individuals for non-personal lending purposes
  • Business partnerships
  • Companies (private and public)
  • Family, Unit and Discretionary Trusts
  • Self-Managed Super Funds
8What circumstances won't you lend for?
  • If there is insufficient security to secure the loan
  • Insufficient income to service the interest and loan repayments
  • Securities in remote locations
  • Credit impaired lending
  • Borrowing for personal use
  • Second mortgages.


1300 138 044
9-5 Monday to Friday
We reply within 1 business day
137 Harrington Street
1/65 St John Street


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For enquiries relating to your account information, change of address and contact details please contact us on 1300 138 044.

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