Commercial property loans across Norwest

It helps to work with a broker who knows the area well. Norwest is a master-planned business park on a special purpose zone, and lenders assess suburban office differently to a city floor. Ardent Capital Group runs its Sydney commercial property lending from Clarence Street in the CBD, and arranges finance in Norwest and across Australia.

Yes. We work across The Hills and the north west, including Bella Vista, Baulkham Hills, Castle Hill, Kellyville and Rouse Hill. Most of the process runs by phone, email and video, and we come to you when it helps.

Our range runs $50K to $30M. Strata office and medical suites here are typically a smaller borrow, and a full floor or building sits considerably higher.

We cover the full range: strata office suites, medical and allied health consulting rooms, whole floors and small head office buildings, retail and service premises around the local centre, and leased investment stock. Lender appetite differs across all of them, which is why we match the property to the lenders that write it.

It means the business park runs on a special purpose zone rather than a standard commercial one. A special purpose zone works from its own objectives instead of a conventional land use table, so what is permitted is more tightly defined than a buyer coming from an E2 Commercial Centre would assume. Worth confirming your intended use against it before exchange rather than after, and we check it as a matter of course.

A commercial rate is set per file rather than off a shelf price. It moves with the suite and how it is used, 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.

Yes, and the figures show it plainly. Knight Frank recorded Sydney office net effective rents growing 10.2% over the year to Q1 2026, but that growth is CBD-led, and the report notes suburban rental growth remains subdued. A credit team therefore leans on the lease and the covenant in front of it rather than on market momentum, which makes a solid tenant and a decent remaining term worth more here than in the city.

Lenders treat established practice income as durable, which is why medical, dental and veterinary borrowers can go to 80% on standard commercial security. The work is in presenting practice income across the service trust or company it arrives through. Fit-out and equipment can usually be funded alongside the purchase.

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 suite used wholly in a business generally qualifies, a suite 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 Norwest 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. SMSF and clinical fit-out deals take longer. We give you a realistic timeline for your specific property before you commit to an exchange date.

Often, yes. A decline from one lender does not mean the deal is not fundable, and on suburban office it frequently means the file went to a lender benchmarking against CBD assumptions. 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 Norwest that method earns its keep on the structure and the zone. Practice and professional income arrives through service trusts and companies, and we present it the way a credit team expects while confirming the zone permits what you intend to do. 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. Strata adds the plan, levy notices and recent AGM minutes. A practice adds an accountant's letter and practice financials.

Standard commercial security reaches up to 80% of value, and medical, dental and veterinary borrowers reach the same on their own consulting rooms. Up to 100% of the purchase price is achievable where you add equity from a property you already own. Send us the address and we will give you a real figure.

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 Norwest businesses. On asset finance, that covers practice and dental equipment, imaging, office technology 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.