Commercial property loans in Brisbane

It helps to work with a broker who knows how these files are assessed. Brisbane carries office, industrial, health and hospitality side by side, and those are four different lends with four different lender lists behind them. Ardent Capital Group arranges commercial property finance Australia-wide, through lenders that write nationally rather than branch by branch.

No, and it is not what decides the outcome. Commercial lending is not a branch business. The assessment happens in a credit team that could be anywhere in the country, and most of the process runs by phone, email and video. We know which lenders write Queensland commercial property, how the valuers they use read this market, and how to present an application so it lands with the right one first.

$50K up to $30M. Brisbane covers the full range, from a single strata suite in the Valley through to a corridor industrial site, and the smaller purchases are handled the same way as the large ones.

We fund the full range here: city and Valley office suites, industrial and warehouse property along the eastern and southern corridors, medical and consulting rooms, retail shopfronts, hospitality and accommodation freeholds, mixed-use buildings and tenanted investment stock. Lender appetite differs sharply across those.

A commercial rate is set per file rather than off a shelf price. It moves with the asset class and the property, the LVR, the loan size, the entity you borrow through, and whether the lender is verifying your full financials or just the lease. We will tell you the range your deal genuinely sits in before you spend anything, and where the levers are.

Transfer duty is charged on the dutiable value of the property on the general Queensland scale, and there is no owner-occupier or first-buyer concession the way there is on a home. Additional foreign acquirer duty applies to residential land, so a purely commercial purchase is generally outside it. Duty and GST are funds you bring to settlement rather than part of the loan, so we set your funds-to-complete figure with you before you sign. The Queensland Revenue Office publishes the current scale.

It matters more than most buyers expect. Brisbane City Council assesses the whole city under one planning scheme, Brisbane City Plan 2014, so the zoning vocabulary and the assessment rules stay the same right across it. Cross into Logan, Moreton Bay or Ipswich and you are under a different council and a different scheme, which is where a lot of the industrial stock buyers look at actually sits. It reads as one market and it is several planning systems. Your solicitor confirms the position on the specific site.

No, and it is a common question here. Brisbane City Plan 2014 carries a flood overlay, and a site inside it becomes an insurance question rather than a consent one. What a lender wants to see is that the property can be insured and on what terms. Some lenders step back, others write it with the cover in place. We establish the insurance position early, because it is better known before an application is lodged than discovered after a valuation.

It is an outgoing, and a lender counts outgoings in serviceability. Queensland land tax is an annual state tax on freehold land, vacant or built on, and it covers commercial and investment property. It is assessed on the total value of the land you own rather than property by property, and the rate depends on whether the owner is an individual, a company or a trustee. As holdings grow it stops being a rounding item, so we model it in the servicing from the start. The Queensland Revenue Office publishes the current scale and your accountant confirms your position.

of the lender's valuation, with cash left in the fund after settlement. We know this sounds complicated, and we can assist to make things clearer. 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 Our business real property page sets out what that test requires and the situations that decide it.

A straightforward owner-occupier purchase with clean financials usually settles in four to six weeks, and can be quicker where the documentation is ready at the start. Hospitality, SMSF and sites needing an environmental report take longer. We give you a realistic timeline for your specific property before you commit to a settlement date.

We find out what actually caused it. A decline from one lender does not mean the deal is not fundable, and in a market this broad it often means the file went to a lender with no appetite for that particular asset class. Non-bank and specialist commercial lenders take a different view on LVR, income presentation and asset type. We will give you a straight assessment before proceeding.

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. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. In Brisbane that method earns its keep on asset class and on council boundaries. The city runs on one planning scheme and the corridors around it do not, and matching each asset to the lenders who genuinely write it is most of the job. We have facilitated more than 1,000 commercial and residential mortgages and funded over $2B. Every figure is subject to serviceability, lender appetite and approval.

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. A practice adds an accountant's letter. Hospitality adds trading figures and the licence. Industrial adds the approval, any site reports and the insurance position.

Standard commercial security reaches up to 80% of value, and that covers office, retail, industrial and medical rooms. Specialised hospitality and accommodation gears lower, generally 50% to 65%. Up to 100% of the purchase price is achievable where you add equity from a property you already own.

Most of the time, no. Where a deal needs significant preparation or is unusually complex, a small mandate fee may apply, and we will always tell you plainly before any work begins.

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.

Although our main speciality is property loans for business owners, we also assist with asset finance and working capital for Brisbane businesses. On asset finance, that covers plant and machinery, commercial vehicles, forklifts and workshop equipment, 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 $50,000 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.

No. Arranging finance and advising on financial products are two different disciplines, and we do the first. What we bring is the credit analysis lenders require, the structuring of the facility, and the strategy for putting your application in front of lenders whose appetite matches it.

Because we act as a credit representative under an Australian Credit Licence, we do not give financial product, superannuation, taxation or legal advice, and nothing we provide should be taken as such. Where your circumstances need that input, we are happy to work with your accountant, financial adviser and solicitor to understand the full picture before anything is submitted.

The information on this page is general in nature and does not take account of your objectives, financial situation or needs.