Commercial property loans in Melbourne

You can, and here is what you give up. One bank gives you one credit policy and one answer. Melbourne carries fringe office, two industrial belts, clinical rooms and licensed venues, and those sit with different lenders on different terms. Ardent Capital Group arranges commercial property finance Australia-wide, through lenders that write nationally rather than branch by branch.

No, and the distance matters less than people assume. 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. What counts is knowing which lenders write Victorian commercial property, how the valuers they use read this market, and how to present the file so it lands with the right one first.

$50K up to $30M. Melbourne spans a single fringe office floor through to a south-eastern industrial site, and the smaller purchases are handled the same way as the large ones.

We fund the full range here: fringe and creative office space, warehouses through the western and south-eastern belts, clinical and consulting suites, strip retail, licensed venues and accommodation, 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.

Land transfer duty is charged on the dutiable value on the general Victorian scale, with no owner-occupier or first-buyer concession the way there is on a home. Victoria is also moving commercial and industrial property off duty and onto an annual tax: a qualifying property enters the reform on its first sale on or after 1 July 2024, duty is paid on that entry purchase, and after a ten year transition the commercial and industrial property tax applies at 1% of site value each year. Duty and GST are funds you bring to settlement. The State Revenue Office publishes both.

It depends on the property rather than on you, and it is a search rather than a judgement. A qualifying commercial or industrial property entered the reform on its first sale on or after 1 July 2024, so the question is whether the building has changed hands since then. Once it has entered, later sales may be exempt from land transfer duty. Your conveyancer or solicitor confirms the position on the specific title, and we build the answer into your funds-to-complete figure either way.

A ten-year transition runs from the sale that brings a property into the reform, and the tax applies from the first calendar year after that transition ends. It is a flat 1% of the site, or unimproved, value each year, with a reduced 0.5% rate where a build-to-rent benefit is in place. Whether a property qualifies is usually identified by its Australian Valuation Property Classification Code in the latest valuation. Because it is an annual outgoing, a lender counts it in serviceability, so we model it rather than leave it out. The State Revenue Office publishes the detail 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

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. Licensed venues, SMSF purchases 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.

No, and 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 varied it often means the file went somewhere with no appetite for that 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 Melbourne that method earns its keep on the tax position as much as on the building. Establishing where a property sits under the reform changes the funds you bring to settlement and the outgoings a lender counts, and it is settled before an offer rather than after one. 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. A licensed venue adds trading figures and the licence. Industrial adds the permit, any site reports and the plan of subdivision.

It can, and it is the most common way a purchase gets to full funding. Standard commercial security reaches up to 80% of value, covering office, retail, industrial and clinical 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 Melbourne businesses. On asset finance, that covers plant and machinery, commercial vehicles, printing 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.