30% of $500,000
30% of $500,000.00
$150,000.00
30% of $500,000.00 is $150,000.00.
Quick answer
30% of $500,000 is $150,000. That's a typical deposit for a $500,000 commercial property purchase in Australia — commercial lenders generally ask for 30% or more upfront, higher than the 20% benchmark for a standard home loan, because business premises carry different risk and valuation considerations for the bank.
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30% of $500,000 is one of numbers, percentages and conversion tools on OneCalculate — see the full set for this category.
Browse MathsHow it works
The formula is the same for any percentage question: result = base × (percent ÷ 100). Here, $500,000 ×
(30 ÷ 100) = $150,000. Commercial property loans typically need a bigger deposit than a standard home loan
— often 30% or more of the purchase price — because lenders view business premises as carrying more risk than
a residential property. See Moneysmart’s guide to property investment
for how lenders assess different property purchases.
Worked example
Vanessa runs a physiotherapy clinic in Albury, on the NSW-Victoria border, and has rented the same practice space for eight years while her client base grew. The landlord has now listed the building for $500,000, and Vanessa’s bank has approved a commercial property loan — provided she funds 30% of the purchase price herself, well above what a home loan would require. The calculation: $500,000 × 30% = $150,000. That’s the cash deposit Vanessa needs from her business savings before settlement, leaving a $350,000 commercial loan to repay from the clinic’s earnings. Owning the building outright ends her rent payments and builds equity in an asset instead.
Frequently asked questions
What is 30% of $500,000?
30% of $500,000 is $150,000. Multiply $500,000 by 0.30, or by 3 then divide by 10, to get the same answer.
Why do commercial property loans need a bigger deposit than home loans?
Lenders treat business premises as higher risk and harder to value than a standard home, so commercial property loans typically require 30% or more of the purchase price upfront, compared with the 20% benchmark for a residential mortgage.
How much would a 20% deposit be on the same $500,000 property?
20% of $500,000 is $100,000 — $50,000 less than the $150,000 needed for a 30% deposit, though most commercial lenders won't go that low.
Can a business use its cash flow to help fund a commercial property deposit?
Some lenders will consider a business's trading history and cash flow alongside the deposit itself when assessing a commercial loan application, but the deposit still generally needs to come from savings or equity rather than projected future earnings.
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Written and verified by Nirbhay Tripathi
Last updated 18 August 2026
All rates on this page are verified againstMoneysmart — Property investmenton 18 August 2026. See our methodology for the full update calendar.