Home loan specialists for industrial 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 industrial owners that means presenting equipment gearing as the normal shape of a capital-heavy business rather than as risk, and knowing which lenders read entity-held debt sensibly. Commercial property for business owners is our main speciality, so the warehouse or factory is familiar ground. Every figure is subject to serviceability, lender appetite and approval.

No, it changes the number rather than the answer. Chattel mortgages, hire purchase and equipment lines all sit in your position, and a director guarantee counts even where the debt is in the company. What varies is how much weight a lender puts on entity-held debt, and the spread between lenders on that point is wide. Sometimes consolidating or restructuring facilities before applying is the step that lifts capacity most.

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 depends heavily on the lender and on what you provide. Uneven revenue is read as risk when it arrives without context and as normal when the contracts behind it are visible. Forward order books, contract terms and two years of history showing the same rhythm are what turn a lumpy cash flow chart into a legible pattern.

No, and we would rather say so plainly. 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 business income properly, a deposit structured sensibly, and the option of additional security to reach the full purchase price. That is usually worth more than a waiver would have been.

They are legitimate expenses subtracted for tax that a lender adds back when working out what you can service. Depreciation is usually the largest in an industrial business, because it reduces taxable income without reducing the cash available to repay a loan. One-off costs, superannuation beyond the compulsory rate and interest on debt being refinanced sit alongside it. None count unless they are identified and evidenced.

Not necessarily. Settle it deliberately rather than by default. Business lending can be secured over the business assets through a general security agreement, which leaves your home outside the arrangement. In industrial businesses the home is often offered because the equipment alone may not cover the facility, and once attached, selling or refinancing it involves both lenders for as long as the facility runs.

This is common where a business has grown in steps. Recent business activity statements, year-to-date management accounts and an accountant’s letter can evidence current trading where lodged returns lag. Not every lender will look at it, which is the point: the lender chosen decides whether the current year counts or the old one does.

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 depends on your position rather than a general rule. Decide it rather than letting it happen. Buying the home first is often cleaner, because capacity is highest before a commercial facility exists. Buying the site first can be better where rent is substantial, since the rent you stop paying is added back when serviceability is tested. We model both sequences with real figures.

Yes. 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. Our part is arranging finance that works around the structure you have.

Yes, and it is the larger part of what we do. It is a commercial purchase assessed on the building, the site and the lease rather than on your household, and our commercial mortgage for warehouse and industrial property page sets out how those work. Because both sides draw on the same financials, arranging them together means the sequence can be planned.

Generally two years of business financial statements and tax returns, two years of personal returns and notices of assessment, recent business activity statements, a schedule of existing equipment facilities and guarantees, identification, and statements for existing debts. Where a trust or company is involved, add the entity accounts and trust deed.

Pre-approval commonly comes through within a few days once the documents are together, though business owner files take longer to assemble than salaried ones, particularly where several equipment facilities have to be listed. 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 warehouse or factory you operate from. We also arrange plant and machinery finance, racking and site fit-out, and working capital to cover the gap between delivery and payment.

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.