Commercial property loans on the Central Coast

Standard industrial security reaches up to 80% of value, so around 20% plus costs on a conventional purchase. Up to 100% of the purchase price is achievable where you add equity from a property you already own, which is how a lot of first premises purchases here are actually done.

Yes, and it catches people out. The city centre is consented under a State planning policy rather than the Central Coast LEP, and its zoning mapping is current to March 2022 against the LEP's May 2026. It still uses the superseded B-series codes, so a parcel can return B4 where a lender's policy list only names current codes. We supply the zoning and the instrument with the application.

From $50K up to $30M. Light industrial and trade businesses make up much of what we see, and retail, medical and office buyers draw on the same range.

It adds a second thing to assess. Alongside the unit itself, lenders read the scheme: the sinking fund position, the strata report and any outstanding building work. A well-run scheme supports the valuation, and an unresolved defect can reduce it. Get the strata report early rather than at contract stage.

No. Commercial lending is not a branch business, the credit team assessing your file could be anywhere, and most of the process runs by phone, email and video. We come up when it helps. We know which lenders write Coast strata and land-heavy security properly.

We cover the full range: trades and light manufacturers, building and civil operators, transport and storage, retail and hospitality, medical and allied health, childcare, accommodation, professional firms, and investors holding tenanted stock. Lender appetite differs sharply across those, which is why we match the property to the lenders that write it.

It helps to work with someone who knows the market. The Coast has two planning instruments running at once, a lot of strata industrial and a mix of yard and built security, and all three shape lender selection. Ardent Capital Group is a Sydney commercial mortgage broker based on Clarence Street, arranging finance on the Central Coast and nationally.

A commercial rate is set per file rather than off a shelf price. It moves with the property type and the structure, 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 NSW scale, and there is no owner-occupier or first-buyer concession the way there is on a home. Surcharge purchaser duty applies to residential-related property, 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 exchange. Revenue NSW publishes the current scale.

It does. A predominantly hardstand or vacant industrial site is valued as land rather than improvements and generally gears around 65%. Where there is a substantial building alongside the yard, the number moves back towards standard industrial terms. Worth establishing before you settle on a deposit figure.

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 used wholly in 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. Standard commercial security inside a fund is generally available to 65% to 80% 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 the Central Coast 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. 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 as quick as two weeks where the documentation is ready at the start. City centre parcels needing a zoning query, and SMSF purchases, take longer. We give you a realistic timeline for your specific property before you commit to an exchange date.

Frequently, yes. A decline from one lender does not mean the deal is not fundable. On strata industrial and land-heavy sites it often means the file went to a lender that writes neither well. 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. On the Coast that method earns its keep on the zoning and the strata. Both are checkable before an application is lodged, and both decide which lenders are genuinely available to you. 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.

Identification, the contract or property details, recent business and personal financials, tax returns, bank statements, and details of your entity or trust structure. A strata unit adds the strata report. A city centre parcel adds the planning certificate. Leased property adds the lease and a rent schedule.

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.

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.

Although our main speciality is property loans for business owners, we also assist with asset finance and working capital for the Central Coast businesses. On asset finance, that covers workshop plant, excavators, 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. We also arrange home loans, planned alongside your commercial borrowing: cross collateralisation, guarantees, shortfalls and trust income included. See home loans for business owners.

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.