The Finance Algorithm
Sandhurst Trustees Limited logoSandhurst Trustees Limited

Commercial Loan

Commercial Term Loan requiring first mortgage security. Borrowers can choose from Interest Only, Principal and Interest, with variable and fixed rate options.

Business loansRates on applicationBank updated 16 Mar 2026

At a glance

Pricing
Rates on application
Fixed
6.85%
Loan size
$100,000 to $20,000,000
Upfront fee
$0

Rates

Every rate Sandhurst Trustees Limited publishes for this business loan, 10 in all.

TypeApplies toTermBandRateComparisonConditions
FixedInterest rate is only applicable for loans up to $1,000,000. Loans in excess of $1,000,000 are subject to negotiationInvestment, Interest only1 yr fixed-6.95%--
FixedInterest rate is only applicable for loans up to $1,000,000. Loans in excess of $1,000,000 are subject to negotiationInvestment, Interest only2 yrs fixed-6.90%--
FixedInterest rate is only applicable for loans up to $1,000,000. Loans in excess of $1,000,000 are subject to negotiationInvestment, Interest only3 yrs fixed-7.10%--
FixedInterest rate is only applicable for loans up to $1,000,000. Loans in excess of $1,000,000 are subject to negotiationInvestment, Interest only4 yrs fixed-7.35%--
FixedInterest rate is only applicable for loans up to $1,000,000. Loans in excess of $1,000,000 are subject to negotiationInvestment, Interest only5 yrs fixed-7.40%--
FixedInterest rate is only applicable for loans up to $1,000,000. Loans in excess of $1,000,000 are subject to negotiationInvestment, P&I1 yr fixed-6.90%--
FixedInterest rate is only applicable for loans up to $1,000,000. Loans in excess of $1,000,000 are subject to negotiationInvestment, P&I2 yrs fixed-6.85%--
FixedInterest rate is only applicable for loans up to $1,000,000. Loans in excess of $1,000,000 are subject to negotiationInvestment, P&I3 yrs fixed-7.05%--
FixedInterest rate is only applicable for loans up to $1,000,000. Loans in excess of $1,000,000 are subject to negotiationInvestment, P&I4 yrs fixed-7.30%--
FixedInterest rate is only applicable for loans up to $1,000,000. Loans in excess of $1,000,000 are subject to negotiationInvestment, P&I5 yrs fixed-7.35%--

Fees

8 fees published, grouped by when they're charged.

  1. When you take it outVaries3 fees, each listed below
  2. While you hold itNo fee published
  3. When you close it or pay it offUp to $3502 fees, each listed below

When you take it out3

  • Application Fee

    0.60% of loan amount/negotiable. Payable at acceptance of offer

    0.50% of balance
  • Security Documentation Fees

    Dependent on transaction complexity, solicitor used, state of security and more. Payable at loan drawdown

    No fee
  • Valuation Fee

    Cost dependent on circumstance. Payable upon completion of valuation

    No fee

When particular things happen3

  • Consent to Lease Fee

    $150, per request, per lease agreement.

    $150
  • Late Payment Charge

    Payable when your facility remains in arrears for more than 30 consecutive days.

    $65
  • Variations

    Variation to existing facility, $150 per event

    $150

When you close it or pay it off2

  • Discharge Administration Fee

    $350, per request, per security. Payable with any partial or full release of security (applies to each security)

    $350
  • Early Repayment Fee

    Break cost are payable. These are calculated on a case by case basis.

    0.00% of transaction

Features

Redraw
  • Limited annual reviews
  • No monthly fees
  • 7 Year Maximum Loan Term (interest Only)
  • 20 year Maximum Loan Term Principal & Interest

Eligibility and limits

  • Amount $100,000 to $20,000,000
  • Maximum LVR % - Commercial: 70%
  • Maximum LVR % - Specialised: 50%
  • Maximum LVR % - Industrial: 50%
  • Maximum LVR % - Rural: 40%
  • Maximum LVR % - Residential: 80%
  • Maximum LVR % - Light Industrial 70%

Published by Bendigo Bank under the Consumer Data Right, last changed by them on 16 Mar 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.