Home loan specialists for accommodation business owners

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. For accommodation operators that means getting occupancy income read across a full year rather than a quiet quarter, and handling the on-site living arrangement that trips up most applications. Commercial property for business owners is our main speciality, so the freehold is familiar ground. Every figure is subject to serviceability, lender appetite and approval.

On the annual picture, provided the annual picture is put in front of the lender. Occupancy multiplied by rate moves through the year in every accommodation business, and a strong year routinely contains weak months. Two to three years of occupancy and rate history showing the same shape repeating is enough to make the pattern legible, and forward bookings help where they exist.

Across our lending we arrange finance from $50K up to $30M, and home loans sit within that range, including prestige purchases that fall outside standard bank policy. Your borrowing capacity comes down to income, existing commitments and the property itself.

It adds steps rather than obstacles, and it is very common in this sector. Living on site means no rental history and often no existing mortgage for a lender to look at, and the accounts may carry personal living costs that need separating out. What matters most is saying whether you will move into the home or hold it while remaining on site, because those are assessed differently.

No, and it is better to be straight about it. The mortgage insurance waivers are written around registered professions such as medicine, law and accounting. What is available to you instead is a lender that reads occupancy income properly, a sensibly structured deposit, and additional security to reach the full purchase price where that suits your position.

Yes, more than most operators expect. A freehold going concern is property and trade valued together. A leasehold is the business alone on a lease with a finite term, so it gears lower and amortises faster, which means larger repayments sitting in your position when a lender assesses your home loan. Neither is wrong; they simply need modelling differently.

Depreciation is usually the largest, covering buildings where owned, fit-out, furniture, linen, vehicles and grounds equipment, and it reduces taxable income without reducing cash. Refurbishment costs concentrated into one year, superannuation beyond the compulsory rate and interest on debt being refinanced sit alongside it. None count unless identified and evidenced.

Where the business is freehold, usually not, because the property itself secures the lending. Where it is leasehold the security is thinner and a lender may look for more, which is when the home gets offered. Resist it where you can: once attached, selling or refinancing your home involves both lenders.

It is reachable, and the mechanism differs by side. For a home, 100% comes from bringing additional security: a family member offering their own property, or equity added from a property you already own. For a commercial purchase, up to 100% of the price is achievable where you add equity from a property you already own. In both cases your income still has to service the whole loan.

It is a sequencing question and worth planning properly. While you still own and live on site, the home may be assessed as an investment purchase, which changes the policy that applies. Once the business is sold the picture changes again, and so does your income. We model both stages so the loan you take now still suits you after the sale rather than needing to be redone.

That is common after a refurbishment or a change of ownership. Recent business activity statements, year-to-date management accounts and an accountant’s letter can evidence current trading where the lodged returns lag. Not every lender will look at it, which is why the lender chosen decides whether the current year counts or the old one does.

Yes, and most accommodation businesses are already held that way. What changes is how the income is traced: a distribution from a discretionary trust generally needs a consistent history before a lender treats it as income, and the entity accounts need to agree with what is being claimed. How you hold assets is a decision for you and your accountant.

Yes, and commercial property for business owners is our main speciality. A going concern is assessed on the property and the trade together, and specialised accommodation security gears lower than standard commercial property. Our commercial mortgage for accommodation and hospitality property page sets out how those purchases work.

Generally two years of business financial statements and tax returns, two years of personal returns and notices of assessment, recent business activity statements, occupancy and rate history, your lease where the business is leasehold, identification, and statements for existing debts. Where a trust or company is involved, add the entity accounts and deed.

Pre-approval commonly comes through within a few days once the documents are together, though accommodation files take longer to assemble because the trading history has to be set out properly. Full approval after you have found a property depends on the lender and the valuation.

In most cases our service does not cost you anything. We are paid by the lender once your loan settles, so you get the comparison across more than 40 lenders and the management of the process at no charge. If anything unusual applies to your situation, we will be upfront about it 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 in Australia you are buying, we can arrange your home loan.

Commercial property for business owners is our main speciality, so alongside your home loan we arrange finance to buy the freehold you operate from, and to move from leasehold to freehold. We also arrange refurbishment and fit-out finance, and working capital to carry costs through a quiet season.

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.