Commercial loans · Paddington 4064
Commercial loans in Paddington.
Owner-occupier premises, investment property, lease-doc and full-doc options.
Reviewed · Adam King — 30 years in finance, Sunshine Coast
Median price band
$1.3M – $2.3M
Median rent
$780/wk
Postcode
4064
Region
brisbane
Current market signals
Paddington property market — at a glance.
Median sale price
$2.2M
12-month change
+10.3%
Days on market
30
Rental yield
2.2%
Vacancy
1.0%
Indicative figures, sourced from public real estate market data (as of 2026-06). Local conditions move quickly — confirm against your buyer’s advocate or recent sales evidence before relying on the numbers.
What we see in Paddington
Pre-war workers' cottages on tight blocks, Latrobe Tce cafe strip. Renovation lending is constant — half the files are mid-build cost overruns.
Lender shortlist for Paddington
On our 60+ lender panel, Paddington is a renovation-lending postcode — purchase-plus-construction structuring is the constant, and the majors lead on cost-plus build policy and bridging. Tight blocks and heavily-altered cottages can produce variable valuations, so a second-tier lender that values character stock cleanly is a useful backup. Commentary is indicative and subject to lender policy at the time of submission.
Who actually borrows here
Typical Paddington borrower profiles.
Renovator buying a cottage to extend
A professional couple buying a pre-war worker's cottage on a tight block with a renovation in mind. These are the bread-and-butter files here — we structure a purchase loan plus a separate construction or progress-draw facility, and a major bank with a clean cost-plus build policy usually leads. Half the conversations are about funding a mid-build cost overrun, so we build contingency into the facility from the start.
Inner-west upgrader family
A dual-income household trading up from Red Hill or Bardon into a renovated character home. Serviceability is comfortable at these incomes; the work is timing the prior sale, so a bridging facility through a major bank avoids a sale-subject contract and we settle to a 70-80% LVR split afterward.
Self-employed character-home buyer
A business owner buying a Queenslander on a steep block, leaning on add-backs and one or two-year financials. A major bank will take an accountant declaration on a clean trading history; a specialist non-bank sits behind for files with recent restructure or ATO timing. Valuations on heavily-renovated cottages occasionally need a second opinion, so we keep a second-tier lender ready.
Who lives here
Paddington household profile.
Median age
37
Median income
$132K
Owner-occupied
56%
Family households
52%
Indicative figures based on public census-style data. Not a substitute for current ABS releases.
Living in Paddington
- Schools: Petrie Terrace State School, Rainworth State School catchment, Marist College Ashgrove and Stuartholme nearby
- Transport: Frequent buses run the Given Terrace and Latrobe Terrace corridor straight into the CBD; the Inner City Bypass and Milton rail station (a short walk downhill) handle the rest of the commute.
- Shopping: The Latrobe and Given Terrace café and boutique strip is the defining retail offer, with Paddington Antique Centre and the Rosalie village pocket nearby; Suncorp Stadium and the Milton dining strip are downhill.
- Recreation: Neal Macrossan Park, the Caxton Street precinct on game days, and the walking links to Mount Coot-tha trails provide the recreation; the hilly character streets are a draw in their own right.
Take this to a broker
Get a commercial number for Paddington →
Indicative numbers are a starting point. A broker will model the panel against your specific Paddington purchase and come back inside 4 business hours.
Common questions about commercial loans in Paddington
Do you write commercial property loans in Paddington?
Yes. We match the Paddington asset, lease, borrower entity, and available security against lenders active in similar commercial deals, then confirm realistic LVR and pricing before lodgement. We handle owner-occupier premises, lease-doc and full-doc investment commercial. Talk to a broker first call.
Typical LVR for commercial in Paddington?
It depends on the asset, the tenant, and the entity — owner-occupier and strong-yield investment sit higher, and adding personal residential security as additional collateral can lift it further. We confirm the realistic LVR before lodgement.
What documents will you need?
Two years of personal returns plus business financials, lease agreements (or proposed leases), and a commercial valuation. We handle the full file.
Nearby
General information only. Suburb-level figures, lender appetites and example structures are indicative — they do not consider your personal circumstances. Final pricing and policy are confirmed by the lender on the file.