WLTH’s Ocean Commercial Easy Refi is a simpler way for borrowers with a good repayment history to refinance commercial property. Variable rates start from 8.09% p.a., up to 80% LVR, for loans up to $3 million. Rates are effective 13 October 2026.
| LVR | Variable rate (loans up to $3m) |
|---|---|
| Up to 60% | 8.09% p.a. |
| From 60% – 65% | 8.19% p.a. |
| From 65% – 70% | 8.29% p.a. |
| From 70% – 75% | 8.69% p.a. |
| From 75% – 80% | 9.09% p.a. |
Frequently Asked Questions
What are WLTH’s commercial refinance rates?
WLTH’s Ocean Commercial Easy Refi has variable rates from 8.09% p.a. for loans up to $3 million. Your rate depends on your LVR. Rates are effective 13 October 2026.
What is Easy Refi?
Easy Refi is a simpler refinance option for borrowers who can show a good repayment history on their current commercial property loan, and who will pay less by moving to WLTH.
Who is eligible for Easy Refi?
To be eligible, you need to:
- Have made 12 months of satisfactory repayments on your current loan, with no more than 15 days in arrears. This is checked through your credit report or 12 months of loan statements.
- Get a lower interest rate and lower principal and interest repayments with WLTH than you have now.
- Have a clear credit history and an Equifax credit score of at least 600.
- Be refinancing from a lender on WLTH’s approved list for Easy Refi.
Can companies or trusts borrow?
Yes, if the company or trust has been established for at least 24 months.
What can I use this loan for?
The loan is for refinancing an existing loan on an acceptable commercial property. Your broker can confirm whether your property type is accepted.
Can I access cash out?
Yes. Cash out is capped at $50,000 or 3% of the property’s value, whichever is lower.
What is the maximum LVR?
The maximum LVR is 80%. Depending on the property’s location, a lower maximum may apply.
How much can I borrow?
Individual loans go up to $3 million. The maximum total borrowing for any individual borrower is $10 million. This includes loans where the individual is also a co-borrower as a director of their company.
Is interest only available?
Yes. Interest-only repayments are available for up to 5 years, with a 0.40% p.a. loading. Interest-only loans require monthly repayments.
Does my property’s location affect how much I can borrow?
Yes. Maximum LVRs depend on the population of the area where the property is located, and properties in areas with fewer than 3,000 people are not accepted.
What other WLTH commercial loans are available?
For commercial property held in a self-managed super fund, see WLTH’s SMSF loan rates, WLTH’s SMSF fixed loan rates and WLTH’s SMSF refinance rates.
How do I apply?
Ask your mortgage broker about WLTH, or contact us at 13 WLTH or hello@wlth.com.
Impact Lending
WLTH is Australia’s first Impact Lender. For every loan settled with WLTH, 50m² of Australian beach and coastline will be cleaned up alongside Parley for the Oceans. Your home loan helps keep Australia’s coastline clean, at no extra cost to you.
Disclaimers
Rates and information are correct as at 13 October 2026 and are subject to change without notice.
All loans are subject to lending criteria. Other conditions, fees and charges may apply. Legal fees do not cover disbursements, government charges or third-party contract processing fees.
The information in this article is general in nature and does not take into account your objectives, financial situation or needs. Before acting on this information, consider whether it is appropriate for you and seek independent financial, legal and tax advice.
WLTH Lend Pty Ltd CRN 525 873 as authorised by WLTH Pty Ltd AFSL & ACL 525 752.
