Transaction volumes reached $85.6 billion in 2025, with larger, well-capitalised investors returning and demand rising across sectors like industrial, retail and alternative assets. As competition for quality assets increases, having the right finance in place is key. It’s not just about securing a loan — it’s about structuring it correctly. The right setup can improve cash flow, flexibility and future borrowing capacity, putting you in a stronger position to act when opportunities arise.
Australia’s commercial property marketstaged a notable comeback in 2025, with transaction volumes rising 27% year on year to$85.6 billion, according to Ray White Commercial.
More telling than the uplift in activitywas the rise in average deal sizes, which climbed almost 25% to $9.49 million –a sign that larger, well-capitalised investors are stepping back in withconfidence.
Queensland led the charge, with volumes upmore than 60% as investors targeted growth corridors in Brisbane, the GoldCoast and the Sunshine Coast.
Industrial remained the most traded sector,supported by low vacancies and logistics demand, while retail surprised on theupside with a 43.8% lift in volumes, particularly for supermarket-anchoredcentres offering stable cash flow. Hotels and alternative assets such aschildcare and service stations also attracted strong interest.
What does this mean for borrowers?Competition for quality assets is increasing and larger transactions oftenrequire more sophisticated funding.
Lenders are showing appetite forwell-located commercial property, but credit policies, leverage and pricing canvary widely. For both investors and owner-occupiers, having the right financestrategy in place can make the difference between securing an asset and missingout.
Many borrowers focus on chasing the lowestrate, but the structure of a loan can have a far greater impact on long-termoutcomes. A sharp rate on a poorly structured facility can cost more over timethan a slightly higher rate on a loan designed around your needs.
Elements such as the loan term, repaymenttype, offset accounts, redraw facilities and the conditions attached to theloan – like minimum income or equity requirements set by the lender – all shapehow flexible and cost-effective a facility is.
For business owners and professionals withvariable income, the right structure can smooth cash flow and preserveliquidity. For property investors, it can support tax efficiency and futureborrowing capacity.
Good structuring also considers what comesnext, including future purchases, expansions or refinancing. Setting a loan upcorrectly from day one can reduce break costs, avoid unnecessarycross-collateralisation and keep options open as your portfolio grows.
This is where a broker adds value. At 3LANEFinance, we compare lenders, negotiate terms and design structures aligned toyour goals – not just the headline rate. If you’re reviewing your lending orplanning your next move, a strategic approach to structure can put you in astronger position.
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