Commercial property loans, Wollongong

It helps a great deal here. Wollongong carries a heavy industrial band that most markets do not, parts of it still read under a superseded zone code, and the port land is consented under a State instrument rather than the council plan. Ardent Capital Group works from Clarence Street in the Sydney CBD and arranges commercial finance in Wollongong and Australia-wide.

Yes. Commercial lending is not a branch business, the credit team assessing your file could be anywhere, and most of the process runs by phone, email and video. We come down when it helps. We know which lenders write Illawarra industrial security, which is knowledge rather than proximity.

$50K up to $30M. Port and heavy industrial assets sit at the top of that, while university-adjacent, health and retail premises are usually a smaller conversation.

All of it. Heavy and general industrial sites, warehouses and workshops, consulting rooms and allied health premises, city offices and Crown Street retail, hospitality and tenanted investment stock. Lender appetite differs sharply across those, which is most of the reason a file ends up at the wrong lender.

Standard commercial and industrial security reaches up to 80% of value. Heavy industrial sits on a shorter lender list and can gear more conservatively depending on the site history. Up to 100% of the purchase price is achievable where you add equity from a property you already own.

It changes who will write it. E5 permits uses a general industrial site cannot take, which is why some businesses need to be in that band, and fewer lenders are comfortable holding heavy industrial security. Some parcels here still read IN3 under the superseded code, which can stall a file at a lender whose policy list only names E5. We check the code before lodging.

A commercial rate is set per file rather than off a shelf price. It moves with the zoning band and the site, 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.

The methodology is the same nationally, but the comparable evidence is Illawarra evidence and the heavy industrial band trades differently to general industrial. Regional land values have also been moving well: the NSW Government recorded regional industrial up 8.0% and commercial up 5.7% in the year to 1 July 2025, both ahead of Greater Sydney.

It helps, provided the trading history comes with you. A lender assessing a relocation is looking at an established business with accounts, not a start-up, and the fact that you are moving for land cost and workforce is a straightforward commercial story. Bring two years of financials from the existing operation and the application is straightforward to place.

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 Wollongong 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. Heavy industrial sites needing an environmental report, and SMSF 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 heavy industrial security it frequently means the file went somewhere that does not write that zone at all. 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 Wollongong that method earns its keep on the zoning. Heavy industrial and general industrial go to different lenders, and knowing which code is on your title before an application is lodged is most of the job. 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.

Identification, the contract or property details, recent business and personal financials, tax returns, bank statements, and details of your entity or trust structure. A heavy industrial site adds the consent and any environmental reports. Leased property adds the lease and a rent schedule.

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 Wollongong businesses. On asset finance, that covers fabrication and engineering plant, forklifts, 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.