Obtaining Commercial finance with an 80% LVR (Loan to Valuation Ratio) can be very difficult if you don’t want to add extra security.  Commercial lenders seem to be a lot more conservative than those lending for home purchases. Typically a home loan can borrow up to 95% of the value or purchase price (hopefully the same figure) whereas with a commercial property you are generally limited to around 65% maybe 70% in some cases. Security for Commercial loans can be a wide range of different types of properties from small industrial units to broad acre farms, and there is a different set of rules for each one.  Recently one of…