Commercial mortgage brokers Australia

Going direct means one lender, one credit policy and one answer. Commercial property is assessed very differently across banks and non-bank lenders, and the same deal can be approved by one and declined by another depending on the asset, your structure and how the application is presented. As commercial mortgage brokers, we know which lenders are active for your property type right now, how to frame the submission, and which to avoid. You get the lenders that suit it rather than working through a list and collecting unnecessary declines, and we manage the process from enquiry to settlement, subject to serviceability, lender appetite and approval.

A commercial mortgage is a loan secured against commercial property, used to buy, refinance or develop it. What you can borrow, the loan term and the right lender all depend on the property type, your entity structure and how the property is used. Ardent Capital Group is a Sydney-based commercial mortgage broker helping business owners, investors and SMSF trustees secure the right finance across Australia.

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. A commercial mortgage should sit comfortably across the whole operation rather than just clearing the purchase price, matched to the building and the way your business actually trades. Drawing on a panel of more than 60 lenders, we stay alongside you as the business and portfolio grow. Every figure is subject to serviceability, lender appetite and approval.

A commercial mortgage is a loan secured against a commercial property, any property that is not used as a private residence. It is used to purchase, refinance or develop commercial real estate, including offices, warehouses, retail premises, medical facilities and hospitality venues. Commercial mortgages are assessed differently from residential loans, with lender appetite, LVRs and terms varying significantly between asset classes and borrower types.

Commercial mortgages are assessed on the property type, the income-generating capacity of the asset or business and the borrower's entity structure, not just their personal income and the property value. LVRs are generally lower than residential lending, typically 60% to 80% depending on the asset class. Interest rates are higher. The range of available lenders is more variable, and getting the right lender for the specific property type matters significantly more than it does in residential lending.

LVRs vary by asset class and borrower profile. Medical and professional owner-occupiers can often access 70% to 80%. Standard industrial, retail and office owner-occupier deals reach up to 80% on that security. Investment commercial property is usually 60% to 70%. Specialist assets like hospitality and childcare are typically 55% to 65%, reflecting the income-based valuation methodology for these asset classes.

A straightforward owner-occupier purchase with clean financials typically settles in four to six weeks from application. More complex structures, SMSF lending, specialist asset classes or development finance take longer. We give you a realistic timeline based on the specific property and borrower before you commit to a purchase schedule.

Commercial lending requires specific lender knowledge that general brokers often do not have. The panel, the credit policies and the income assessment frameworks differ significantly from residential lending. A broker who primarily works in residential will often submit a commercial application to the wrong lender or present the income incorrectly, causing delays or unnecessary declines. Commercial property finance is our specialty.

Yes, it is possible, and we arrange these. It is also one of the more intricate purchases in commercial finance, and the detail is what decides whether it works. The fund borrows under a limited recourse borrowing arrangement, so the property sits in a separate holding trust and the lender can only come after that one property. From 10 August 2026 a new arrangement can only be used for business real property: a property trading wholly as a business generally qualifies, a property with a residence attached generally does not. Your operating company leases the property back from the fund, in writing, at market rent supported by an independent appraisal, and the rent has to actually be paid. Cross-collateralisation is not available inside super, so the fund needs its own deposit and the 100% LVR structures described elsewhere on this page do not work here. Lenders cap SMSF lending below a standard purchase, generally between 65% and 75%, and want cash left in the fund after settlement. We know this sounds complicated. It is, and that is exactly why we do it every day. Reach out to our team and we will guide you through the entire process. We structure the finance, tell you which lenders will take a commercial property as SMSF security and on what terms, and bring in the SMSF specialists and licensed advisers who set the fund side up. You will not be working it out on your own. Get that right and it is a solid, compliant structure.

Most of the time, no. We are paid a commission by the lender once your loan settles. Where a deal requires significant preparation or involves unusual complexity, a small mandate fee may apply. We will always be upfront about this before any work begins.

Often, yes. A bank decline does not mean the deal is not fundable. Different lenders assess the same property and borrower profile differently. Non-bank lenders and specialist commercial lenders are often more flexible on LVR, income presentation and asset class appetite. We will give you an honest assessment of what is achievable before proceeding.

Most commercial purchases require a deposit of 20% to 40%, because lenders typically fund 60% to 80% of the property value depending on the asset class and borrower profile. Owner-occupiers in strong sectors such as medical can sometimes access up to 80%, while specialist assets like hospitality and childcare usually need a larger deposit. We tell you the realistic deposit for your specific deal before you commit.

Often, yes. Some non-bank and specialist lenders offer low-doc and lease-doc commercial loans that assess the deal on the property's income or alternative documentation rather than full financials. Terms and LVRs differ from full-doc lending. We match your situation to the lenders that suit it and tell you plainly what is achievable.

A typical application needs identification, the contract or property details, recent business and personal financials, tax returns, bank statements and details of your entity or trust structure. SMSF and development deals require additional documents. We give you a clear, specific checklist up front so the application is submitted right.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your commercial property is located, we can arrange your finance.

Beyond your commercial property purchase, we can help with asset finance and working capital. On asset finance, that covers equipment, machinery, commercial vehicles and fit-out. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to cover stock, supplier payments and cash-flow gaps.

Yes. That is our core ethos, helping you understand the right strategy, structure and clear advice from the very first conversation. Our main borrower profiles are established business owners and commercial property investors seeking finance from $100,000 upwards for their company, so a first commercial loan is well within our wheelhouse. Smaller sole-trader and consumer-style ABN lending sits outside our field.