Commercial property loans across Marsden Park

It helps to work with a broker who knows the area well. Two planning instruments apply within this one suburb, the zone codes are the older ones, and there is very little settled sales evidence for a valuer to work from. Ardent Capital Group is based in the Sydney CBD on Clarence Street, arranges commercial property loans in Sydney, and works in Marsden Park and across Australia.

Yes. We work across the north west growth corridor, including Schofields, Riverstone, Box Hill, Rouse Hill and Quakers Hill. Most of the process runs by phone, email and video, and we come to site when it helps.

Between $50K and $30M. Large-format service commercial in a new precinct tends toward the upper half, while smaller tenancies and suites are financed at the other end.

We fund the full range here: childcare and early learning centres, medical centres and health premises, large-format retail and service commercial, completed investment stock on long leases, and construction of all of the above. Lender appetite differs sharply across those, which is why we match the property to the lenders that write it.

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 Marsden Park that method earns its keep on evidence. A new precinct cannot rely on comparable sales, so we build the file around the contract, the lease and the feasibility, and confirm which planning instrument governs the parcel before anything is lodged. 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. Construction adds plans, specifications and the building contract. Childcare adds the licence and catchment analysis. Every parcel needs its planning certificate.

Standard commercial security reaches up to 80% of value, and medical, dental and veterinary borrowers reach the same on their own premises. Childcare is specialised and gears below that. Vacant land gears to around 65% until a building carries it. Send us the details and we will give you a real figure.

Because the business land here sits under a State precinct plan rather than the council LEP, and the precinct plan kept the older zone codes instead of transitioning to the employment zones. Much of the rest of the suburb is still RU4 rural under the Blacktown LEP, pending release. Two instruments apply in one suburb, so confirm it parcel by parcel rather than assume, and we check it before lodging.

A commercial rate is set per file rather than off a shelf price. It moves with the asset and whether you are building or buying, 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.

As construction lending. The facility is drawn in stages against certified works, sits interest-only through the build and converts to a term loan on completion, sized against the end value rather than the land. A fixed-price contract with a licensed builder is the document a lender starts from, and a signed pre-commitment from an incoming tenant transforms it, particularly here where comparable evidence is thin.

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 Marsden Park 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 purchase of completed stock 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. Construction, childcare and SMSF deals take longer, and construction runs to the build program rather than to a settlement date. We give you a realistic timeline before you commit.

Often not. A decline from one lender does not mean the deal is not fundable, and in a new precinct it frequently means the valuation could not find comparables, or the lender had no appetite for construction or for a specialised asset. Non-bank and specialist commercial lenders take a different view. We will give you a straight assessment before proceeding.

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 Marsden Park businesses. On asset finance, that covers medical and dental equipment, childcare fit-out, retail fit-out and commercial vehicles. 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.