Commercial property loans in Parramatta

It helps to work with a broker who knows the area well. A broker working in this market knows how lenders and valuers read each part of it, from a refurbished A grade suite off Macquarie Street to an older B grade floor two blocks away. Ardent Capital Group works from Clarence Street in the Sydney CBD and arranges commercial finance in Parramatta and Australia-wide.

No. We work across the City of Parramatta and the surrounding suburbs, including Westmead, Harris Park, North Parramatta, Granville, Rydalmere and Camellia. Most of the process runs by phone, email and video, and we come to you when it helps, so the distance is never the thing that slows a deal down.

We arrange $50K up to $30M. A consulting suite might sit near the lower end and an A grade floor near the top, with everything in between funded on the same basis.

Strata office suites, medical and consulting rooms, retail shopfronts, mixed-use buildings, whole commercial floors and freehold blocks, plus industrial units on the Camellia and Rydalmere side of the river. Parramatta stock ranges from new A grade towers to 1980s strata buildings, and lender appetite genuinely differs across that range.

Standard commercial security, which covers office, retail and industrial, reaches up to 80% of value. Up to 100% of the purchase price is achievable where you add equity from a property you already own. Building grade and your entity structure move the number more than anything else, so send us the details and we will give you a real figure.

Because the market does. Over the six months to July 2026 the Property Council recorded overall Parramatta office vacancy at 23.5%, with B Grade sitting at 39.9%. A valuer prices the risk of re-letting into the assessment, and a credit team reads that assessment. It does not put older stock out of reach. It changes which lenders will look at it, and on what terms.

A commercial rate is set per file rather than off a shelf price. It moves with the asset, 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.

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, development and specialised assets take longer. We give you a realistic timeline for your specific property before you commit to an exchange date, so the contract and the finance are working to the same calendar.

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 Parramatta 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.

Regularly. GPs, specialists, dentists and allied health practices buying their own rooms are assessed on healthcare income, which lenders read as resilient, and medical, dental and veterinary borrowers reach up to 80% on standard commercial security. Most practices run through a service trust or company, so the work is in presenting that income across the entities the way a credit team expects.

Often, yes. A decline from one lender does not mean the deal is not fundable, and on older office stock it frequently means the file went to a lender with no appetite for that grade. Non-bank and specialist commercial lenders take a different view on LVR, income presentation and asset type. We will give you a straight assessment of what is achievable 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 Parramatta that method earns its keep on grade and structure. We work out which lenders have appetite for your building before an application is lodged, and we present professional and practice income across service trusts and companies the way a credit team expects to read it. 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. Leased property adds the lease and a rent schedule. SMSF and development deals need more. We give you a specific checklist up front so the application is submitted right.

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 Parramatta businesses. On asset finance, that covers equipment, machinery, 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.