Commercial property loan brokers in Penrith

It helps to work with a broker who knows the area well. Penrith functions as a regional city with its own catchment, and local land values have recently split by sector in a way that makes the comparable evidence decisive. Ardent Capital Group sits on Clarence Street in the city, handles Sydney commercial property day to day, and arranges finance in Penrith and Australia-wide.

It makes very little difference. We work across Penrith and the far west, including Kingswood, Emu Plains, Werrington, St Marys and Glenmore Park. Most of the process runs by phone, email and video, and we come to you when it helps.

The band is $50K to $30M. Service commercial and office premises in the city centre sit across it, and smaller retail or clinic purchases are equally workable.

We fund the full range here: medical and allied health premises, childcare centres, showrooms and trade-facing buildings, shopfronts and city centre offices, workshops and service commercial, and leased investment stock. Lender appetite differs sharply across those, which is why we match the property to the lenders that write it.

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 is land not yet brought under the current local environmental plan, so the controls that apply come from an earlier instrument. It does not stop a purchase, but a lender wants the planning position confirmed rather than assumed, and it is far easier to establish before exchange than after. We check the status as a matter of course.

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 Penrith 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. Childcare, clinical fit-out and SMSF deals take longer. We give you a realistic timeline for your specific property before you commit to an exchange date.

Rarely. A decline from one lender does not mean the deal is not fundable, and in Penrith it frequently comes down to a valuation built on the wrong comparables or a lender with no appetite for a specialised asset. Non-bank and specialist commercial lenders take a different view. 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 Penrith that method earns its keep at the valuation. With residential and industrial land moving in opposite directions locally, we make sure the valuer is working from the right sector's evidence before the instruction goes out. 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 childcare centre adds the licence and occupancy figures. A deferred matter parcel adds the planning certificate.

Standard commercial security reaches up to 80% of value, and medical, dental and veterinary borrowers reach the same on their own consulting rooms. Childcare is specialised and gears below that. Up to 100% of the purchase price is achievable where you add equity from a property you already own.

A commercial rate is set per file rather than off a shelf price. It moves with the premises and how specialised they are, 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.

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 Penrith businesses. On asset finance, that covers medical and dental equipment, workshop and hire plant, 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.