{"id":18072,"date":"2026-05-08T16:32:04","date_gmt":"2026-05-08T06:32:04","guid":{"rendered":"https:\/\/brighten.com.au\/media-centre\/commercial-lending-2026-reasons-to-be-cheerful-in-commercial-property\/"},"modified":"2026-05-08T16:48:42","modified_gmt":"2026-05-08T06:48:42","slug":"commercial-lending-2026-reasons-to-be-cheerful-in-commercial-property","status":"publish","type":"media-centre","link":"https:\/\/brighten.com.au\/zh-hant\/media-centre\/commercial-lending-2026-reasons-to-be-cheerful-in-commercial-property\/","title":{"rendered":"Commercial lending 2026: Reasons to be cheerful in commercial property"},"content":{"rendered":"\n

Publication Date: Friday, 08 May 2026
This article originally appeared in Mortgage Professional Australia<\/a><\/strong><\/em><\/p>\n\n\n\n

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Going with the flow is not an option as rising rates, global shocks, surging migration and tech reshape Australia\u2019s commercial market<\/p>\n\n\n\n

\u201cFirm and patient optimism always yields its rewards,\u201d Mexican oligarch and former world\u2019s richest person Carlos Slim once said. A bit of that wisdom wouldn\u2019t go astray for commercial brokers right now.<\/p>\n\n\n\n

Amid falling business confidence, lower capital growth expectations, high CBD vacancy rates and, of course, a Middle East war that threatens to disrupt all corners of the Australian business environment, few would blame you for being jittery about the commercial property outlook.<\/p>\n\n\n\n

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Yet across Australia\u2019s diverse business landscape, new opportunities are emerging for commercial brokers within certain sectors, regions and demographics.<\/p>\n\n\n\n

Speaking with MPA, industry experts across the banking, non\u2011bank lending and technology sectors universally acknowledge that the headwinds are real, but so is Australian businesses\u2019 ability to roll with the punches.<\/p>\n\n\n\n

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Stuck in the middle<\/strong><\/h2>\n\n\n\n

\u201cRight now, we believe the commercial property market sits somewhere in the middle,\u201d says Liberty<\/a> chief distribution officer David Smith (pictured top, left). He notes that the tone is cautious as clients await clarity on how current global events will impact market conditions in the long term.<\/p>\n\n\n\n

Chris Thomas (pictured top, right), executive commercial broker and equipment finance sales at NAB<\/a>, phrases the mood as \u201ctilting cautiously towards optimism\u201d, even as parts of the broader economy \u201cremain uneven\u201d. While business confidence softened in the March quarter, \u201cconditions have broadly held up, sustaining the gains made through 2025\u201d.<\/p>\n\n\n\n

Brighten\u2019s head of commercial lending, Ben Mckell (pictured, below), cautions that, with the Reserve Bank of Australia<\/a> (RBA)\u2019s tightening cycle bringing the rate back up to 4.1% in March, volatility in valuations and borrowing costs is on the rise. Higher rent, medical and insurance costs haven\u2019t helped, while trade\u2011related volatility \u201chas further weighed on economic confidence and investment planning\u201d.<\/p>\n\n\n\n

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Mckell doesn\u2019t dance around the issues. \u201cNo one expected fuel to be hitting $3.50 a litre, and no one thought a rate rise would come again so soon,\u201d he says. \u201cInflation is unfortunately out of control, and it creates a cyclical impact; tenants, whether residential or commercial, are going to see their rents significantly increase over the next three to six months or at their next rental review.\u201d<\/p>\n\n\n\n

That said, Smith is still seeing businesses investing where it makes sense, all the while relying on experienced brokers \u201cto help them navigate risk and structure deals in a complex environment \u2026 While the conversations might be more considered, the activity is still there.\u201d<\/p>\n\n\n\n

Thomas is confident that underlying momentum will remain in place, with forward indicators such as capital expenditure plans and orders heading in the right direction.<\/p>\n\n\n\n

At ORDE Financial<\/a>, director of distribution Lee Prior says, \u201cWhat we\u2019re hearing from brokers is there\u2019s still plenty of movement, especially from SME owners, and that\u2019s a positive sign.\u201d Business owners are being practical with their lending needs: while conditions are far from perfect, they\u2019re working with brokers to get their businesses in the best position available to them. This can range from buying their premises outright to lock in certainty, to refinancing or restructuring debt to optimise cash flow.<\/p>\n\n\n\n

But \u201cit\u2019s certainly not a boom\u201d, adds Craig Stuart (pictured top, centre), head of commercial at MA Money, \u201cand performance across commercial assets remains highly dependent on asset quality and sector dynamics. The biggest headwinds are likely linked to broader economic uncertainty, particularly given ongoing global events. The impact of Middle East tensions means we\u2019re seeing upward pressure on inflation, leading to cash rate increases and localised rate increases.\u201d<\/p>\n\n\n\n

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Australia\u2019s industrial powerhouse<\/strong><\/h2>\n\n\n\n

The industrial property segment \u2013 including warehouses, workshops and mixed\u2011use properties \u2013 seems to be a hive of activity in 2026, thanks to a combination of limited stock and strong demand that has driven price appreciation.<\/p>\n\n\n\n

NAB data shows that industrial continues to outperform on sentiment, capital growth and rental expectations, due to low vacancy rates and ongoing demand linked to logistics, warehousing and supply chain resilience. \u201cThat\u2019s translating into sustained borrower confidence and a steady pipeline of high\u2011quality deals,\u201d says Thomas.<\/p>\n\n\n\n

At MA Money, over 35% of enquiries are currently geared towards the industrial segment, fuelled by growth across e\u2011commerce, logistics and manufacturing. \u201cTenant demand appears to remain high in many markets and in some cases is outstripping supply,\u201d says Stuart. He is seeing strong appetite for vacant land in growth regions on the fringes of metropolitan areas.<\/p>\n\n\n\n

Outside of industrial, Mckell has witnessed a renewed interest in some specialist commercial property assets. \u201cWe have seen quite a few examples of just your normal residential property investor looking at diversifying and buying boarding houses, which fall in that commercial realm,\u201d he says. Additionally, childcare centres are being seen as an attractive asset class with good rental yield.<\/p>\n\n\n\n

\u2018Silo warehouses\u2019 are gaining traction as a hybrid solution for online businesses, combining storage, light industrial and flexible workspace in one. \u201cUnlike residential, there is still a good supply for commercial assets, hence it represents great opportunities for investors diversifying into the space,\u201d says Mckell.<\/p>\n\n\n\n

While office spaces remain in a post\u2011COVID slump, with vacancy rates still higher than expected, there is \u201cselective interest in retail and office assets, particularly in locations with strong tenant profiles\u201d, says Smith. \u201cWhere the fundamentals are good, confidence tends to follow. Brokers who really understand their local markets will be finding solid opportunities.\u201d<\/p>\n\n\n\n

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Migration redrawing the commercial map<\/strong><\/h2>\n\n\n\n

Through ORDE\u2019s work with demographer Bernard Salt, the lender has zeroed in on how migration is reshaping the commercial property market across the country.<\/p>\n\n\n\n

Research shows that around 32% of Australians were born overseas and, in many outer\u2011metro and regional corridors, migrant communities aren\u2019t just settling. \u201cThey\u2019re starting and growing businesses, which naturally drives demand for commercial property like workshops, warehouses, office and clinic suites and mixed\u2011use sites tied directly to the business,\u201d says Prior.<\/p>\n\n\n\n

This shift is most evident across the country\u2019s commercial heartlands in the eastern seaboard cities of Brisbane, Melbourne and Sydney, where new employment precincts and SME clusters are forming alongside population growth.<\/p>\n\n\n\n

Prior (pictured, below) says \u201cinvestment across Australia\u2019s commercial heartlands remains strong, underpinning business confidence, job creation and the growth of new precincts and communities\u201d.<\/p>\n\n\n\n

ORDE\u2019s data shows that commercial and industrial building approvals are up around 27% compared to pre\u2011pandemic levels. \u201c[This] tells us businesses are still planning and investing,\u201d says Prior. \u201cAnd when you look at segments like tradies (a big driver of SME activity), the numbers continue to grow, with close to two million tradies nationwide, many of them running their own businesses.\u201d<\/p>\n\n\n\n

For brokers, those trends translate directly into commercial opportunities as business owners move from renting to owning, while upgrading to more suitable premises or bringing property into SMSFs.<\/p>\n\n\n\n

\u201cThese are also the areas where brokers are most active,\u201d Prior says. \u201cOur role as a non\u2011bank is to back brokers in those moments with lending solutions that reflect how these businesses operate. From our perspective, understanding how these shifts play out business by business is what ultimately drives commercial property loan activity.\u201d<\/p>\n\n\n\n

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Tech\u2011driven broker growth<\/h2>\n\n\n\n

As brokers capture an ever\u2011greater share of the commercial property market, technology is becoming fundamental to their growth.<\/p>\n\n\n\n

Systems like NextGen<\/a>\u2019s ApplyOnline platform, the standard bearer of Australian loan application and lodgement, play a pivotal role in driving this expansion. NextGen<\/a> chief customer officer Tony Carn says, \u201cNextGen<\/a>\u2019s role is fundamentally about removing the friction that has historically made commercial lending feel out of reach for brokers who\u2019ve built their practice around residential.\u201d<\/p>\n\n\n\n

ApplyOnline is already ubiquitous in the Australian broking industry, which means most brokers can manage commercial applications on a platform they\u2019re already familiar with.<\/p>\n\n\n\n

\u201cImportantly, as brokers work through commercial applications on the platform, the structured workflows and lender\u2011specific requirements built into ApplyOnline actively help them understand how commercial loans are put together \u2013 so the platform itself becomes part of the learning curve,\u201d says Carn.<\/p>\n\n\n\n

ApplyOnline supports brokers by outlining each lender\u2019s policies and requirements while offering dynamic checklists that change from deal to deal and lender to lender.<\/p>\n\n\n\n

But tech can only take brokers so far. Commercial lending is inherently more complex, and involves considerably more variables, than residential lending.<\/p>\n\n\n\n

Carn regularly sees brokers approaching commercial applications with a similar mindset to residential lending, which can frustrate and delay the loan application process. This underscores the importance of user\u2011friendly systems and portals at the lender level.<\/p>\n\n\n\n

\u201c[Brokers\u2019] demands haven\u2019t just changed; they\u2019ve crystallised,\u201d Carn explains. \u201cCommercial brokers now expect the same guided, structured lodgement experience they have for residential, and lenders are increasingly recognising that providing that experience is a competitive advantage in attracting broker business.\u201d<\/p>\n\n\n\n

Thomas attests to this. Brokers\u2019 expectations of their lending partners continue to rise, \u201cand rightly so\u201d, he says. \u201cToday\u2019s commercial brokers are looking for faster clarity, greater flexibility and deeper relationships with their lending partners \u2013 not just sharper pricing.\u201d<\/p>\n\n\n\n

Brokers are looking for early, informed conversations that quickly surface whether a deal is feasible, so they can manage client expectations with confidence. They also value lenders who can tailor solutions around a customer\u2019s broader goals, rather than taking a one\u2011size\u2011fits\u2011all approach.<\/p>\n\n\n\n

NAB is meeting these demands \u201cby leaning into our relationship\u2011led model\u201d, says Thomas. He explains how bankers retain lending authorities, enabling real\u2011time credit discussions and faster decision\u2011making. NextGen plays its part by working with its lender partners to build out commercial\u2011specific configurations within ApplyOnline \u201cso that the platform does more of the heavy lifting in guiding brokers through what each lender actually needs, at the point of submission\u201d.<\/p>\n\n\n\n

Open banking is also becoming increasingly relevant to the commercial lending conversation, \u201cparticularly for the self\u2011employed and small business borrowers that commercial brokers typically work with\u201d, notes Carn.<\/p>\n\n\n\n

Systems like Frollo, which is owned by NextGen and integrated with ApplyOnline, allow brokers to collect data straight from banks, which reduces the risk of AI\u2011altered or fraudulent documents. It also removes the back and forth of manual document collection that slows down the application process and frustrates clients.<\/p>\n\n\n\n

\u201cFor business borrowers, having transaction data that accurately reflects cash flow and income patterns \u2013 rather than relying solely on what can be captured in tax returns \u2013 can make a genuine difference to both the speed and the outcome of a credit decision,\u201d says Carn. \u201cThat\u2019s a real value\u2011add a broker can offer their commercial clients.\u201d<\/p>\n\n\n\n

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A matter of complexity<\/strong><\/h2>\n\n\n\n

From banks to non\u2011banks and tech providers, all commercial property experts agree on one thing: the sector represents a massive opportunity for brokers.<\/p>\n\n\n\n

Current estimates put broker share of the broader commercial lending space somewhere between 30% and 40% (unlike residential, there is no cold, hard data), but the only way is up.<\/p>\n\n\n\n

Mckell estimates that the share has risen from the upper 20% range just two years ago to the mid 30% range today and is expected to hit 50% over the next two to five years.<\/p>\n\n\n\n

\u201cBrokers are becoming increasingly confident in the commercial lending space, and we\u2019re seeing a noticeable shift in mindset,\u201d says Mckell. If anything, Brighten\u2019s substantial growth over the past 24 months, expanding its distribution team from six to 20, with dedicated commercial BDMs in Victoria \u2013 and New South Wales and Queensland soon to follow \u2013 proves that brokers are increasingly influencing the commercial landscape.<\/p>\n\n\n\n

Stuart believes education plays a big role in advancing brokers\u2019 influence in the commercial space, with industry bodies the MFAA<\/a> and FBAA<\/a> performing \u201cexcellent work\u201d in educating and training brokers on commercial property opportunities.<\/p>\n\n\n\n

\u201cCombine the fact brokers are looking for more strings to their bow, multiplied by clients having more confidence in the broker market to help with their business and commercial needs, naturally we can expect greater participation,\u201d predicts Stuart.<\/p>\n\n\n\n

\u201cWe expect more mortgage brokers to step into commercial lending by drawing on the relationships they already have,\u201d adds Smith. \u201cIt often starts with a simple conversation about future plans, such as moving into self\u2011employment or expanding operations. It\u2019s all about asking the right questions. Liberty works closely with brokers to build their knowledge and confidence so they can identify these commercial opportunities and workshop scenarios with us.\u201d<\/p>\n\n\n\n

As uncertainty around growth, inflation and interest rates has increased, \u201cbrokers have become more central to helping customers navigate trade\u2011offs between timing, structure and risk, and are increasingly supporting customers to plan for a wider range of potential outcomes\u201d, says Thomas. He is seeing brokers move beyond transaction execution into a more advisory, end\u2011to\u2011end role by supporting clients earlier in the journey, shaping funding strategies and helping customers weigh up risk, timing and structure.<\/p>\n\n\n\n

\u201cAt the same time, the quality of brokers entering commercial lending has lifted,\u201d says Thomas. \u201cMore experienced professionals are stepping into the space, raising the standard of deal preparation and customer engagement.\u201d<\/p>\n\n\n\n

\u201cCommercial lending isn\u2019t new, but the opportunity for brokers has never been clearer,\u201d continues Prior, who describes a holistic approach to growth.<\/p>\n\n\n\n

\u201cCommercial property decisions today are rarely standalone. They sit alongside broader business and personal considerations for the client, which is why brokers who stay close to their clients \u2013 and build strong working relationships with accountants, advisers and other intermediaries \u2013 tend to create deeper, longer\u2011term opportunities as needs evolve \u2026 Brokers are far more central to these conversations now.\u201d<\/p>\n\n\n\n

Despite the increasingly diverse needs of borrowers, Smith says it\u2019s a common misconception that commercial loans are too complex. \u201cWhile some applications do require more detail, many are more straightforward than brokers expect \u2026 With the right support, brokers can start to see possibilities in the commercial space, rather than challenges, which in turn strengthens their own offering to their clients,\u201d he says.<\/p>\n\n\n\n

Prior believes complexity often comes from business owners\u2019 \u201clayered financial situations\u201d. He explains, \u201cThey might have strong turnover and solid businesses but also ATO debt, legacy lending structures or short\u2011term facilities that were put in place during tougher periods and no longer make sense.\u201d<\/p>\n\n\n\n

While that can look risky, \u201cin reality, it often just needs the right structure and the right lender\u201d, says Prior. He notes that commercial lending has been central to ORDE\u2019s growth over the six years since it opened its doors. Today around 80% of ORDE\u2019s book supports SME owners and operators. \u201cThis isn\u2019t niche or fringe lending. These are everyday business owners who keep the economy moving \u2013 employing people, investing locally and adapting as conditions change.\u201d<\/p>\n\n\n\n

As a relatively new player in the commercial world, MA Money is \u201cmindful that awareness is paramount\u201d, says Stuart. To build awareness, MA Money has recruited a national BDM team to meet brokers where they operate. Simplicity is the name of the game at MA Money. \u201cOur commercial product range shares similarities with our residential product suite, ensuring a more simplistic approach that most brokers can resonate with. The aim is to not overcomplicate the process,\u201d says Stuart.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

Brighten, meanwhile, is meeting broker demands \u201cby continuing to invest heavily in our people, our processes and the way we support brokers\u201d, says Mckell. \u201cBrokers value responsiveness and clear scenario guidance, so we have expanded our team to ensure we can respond quickly and provide meaningful support at every stage of a deal. We are also simplifying our internal.\u201d<\/p>\n\n\n\n

NAB is also investing heavily in broker capability, education and support \u2013 from credit skills workshops to dedicated banker coverage across Australia \u2013 so brokers know exactly who they\u2019re dealing with and where to go for help. In 2025 alone, NAB delivered 29 commercial credit skills workshops to around 650 brokers, alongside a further 10 bespoke sessions tailored to key aggregator partners. \u201cThe focus is simple: reduce friction, improve certainty and support brokers to deliver better outcomes for their customers,\u201d says Thomas.<\/p>\n\n\n\n

<\/div>\n\n\n\n

An uncertain outlook<\/strong><\/h2>\n\n\n\n

There remain some pretty sizeable question marks hanging over the commercial property outlook. Despite well\u2011documented resilience among Australia\u2019s small business community, there\u2019s no way of knowing how the ripple effects of the Iran war will play out.<\/p>\n\n\n\n

Energy shortages are a pervasive threat that risk causing price shocks in all corners of the Australian economy \u2013 commercial property included. If the most hawkish of RBA rate predictions play out, alongside persistent supply chain pressure, there could be challenging times ahead.<\/p>\n\n\n\n

\u201cWe are watching global political developments closely and considering how they may impact financial markets, inflation and energy prices,\u201d says Smith. \u201cShifts in these areas typically flow directly through to commercial confidence. For brokers, understanding how customer needs change in this environment will be key. The more tailored the solution, the better the outcome could be for the borrower.\u201d<\/p>\n\n\n\n

For now, uncertainty reigns. As Mckell explains, \u201cWhen we look at market interest at the moment, it really is hard to predict. Locally in Australia, the current mood is shaped by the fuel crisis, the rising cost of living and rising interest rates, along with what\u2019s happening overseas.\u201d<\/p>\n\n\n\n

Stuart also cautions that tighter disposal income among Australian households \u201ccould lead to softer consumer spending and potentially temper momentum in certain sectors\u201d.<\/p>\n\n\n\n

But this uncertain economic climate only serves to reinforce the importance of brokers in delivering personalised solutions for business owners.<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

As Prior says, \u201cSME owners need support across property, debt and growth, and brokers who understand different borrowing structures \u2013 and work with lenders that can accommodate them \u2013 are well placed to support clients as their needs evolve.\u201d<\/p>\n\n\n\n

Is it business as usual right now? Perhaps not, but nor is it as bleak as the news cycle would have you believe.<\/p>\n","protected":false},"excerpt":{"rendered":"

Going with the flow is not an option as rising rates, global shocks, surging migration and tech reshape Australia\u2019s commercial market<\/p>\n","protected":false},"author":1,"featured_media":13408,"menu_order":0,"template":"","meta":{"_acf_changed":false},"categories":[35],"tags":[],"class_list":["post-18072","media-centre","type-media-centre","status-publish","has-post-thumbnail","hentry","category-media-centre-zh-hant"],"acf":[],"yoast_head":"\nCommercial lending 2026: Reasons to be cheerful in commercial property | Brighten<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/brighten.com.au\/zh-hant\/media-centre\/commercial-lending-2026-reasons-to-be-cheerful-in-commercial-property\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Commercial lending 2026: Reasons to 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