Commercial mortgage refinance specialists

A commercial property refinance replaces your existing loan with a new facility, often with a different lender, rate or structure, or to release equity. What you can refinance, and on what terms, depends on the current property value, your loan balance and your trading position. Ardent Capital Group is a Sydney-based finance brokerage helping business owners and investors refinance commercial property across Australia.

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. On a business refinance the real test shows after settlement, in whether the new facility sits where the business actually needs it rather than a like-for-like swap. We put it together around where it genuinely belongs, take it to the lenders that suit your situation, and carry on past drawdown to review it as your position changes. Every figure is subject to serviceability, lender appetite and approval.

We refinance commercial facilities from $50K up to $30M, whether that is a single loan you want repriced or a set of facilities you would rather hold under one structure. The new limit is set by current valuations and servicing rather than what you originally borrowed.

The honest answer is that it depends on the numbers. Break fees, valuation costs, legal fees and any lender establishment charges all need to be weighed against the interest saving or structural benefit of refinancing. We model this for you before you commit to anything. If the refinance does not make financial sense after costs, we will tell you.

A straightforward commercial refinance typically takes four to six weeks from application to settlement. SMSF refinances and portfolio consolidations take longer because of the additional documentation and coordination involved. We give you a realistic timeline before you start so you can plan around it.

Yes, where the current property value supports it. The available equity depends on the current valuation, the existing loan balance and the maximum LVR the new lender will offer. For most commercial property types, owner-occupier LVRs of 65% to 75% are available, meaning you can access the gap between the outstanding loan and 65% to 75% of the current value.

Most lenders require the existing loan statement, two to three years of financial statements and tax returns, personal tax returns for all guarantors, and details of any other debts or liabilities. For investment properties, the current lease documentation and rent roll are also needed. We work through the full list with you upfront so there are no surprises.

It depends on how far it has fallen and what LVR you are currently sitting at. If the current loan balance exceeds the new lender's maximum LVR, a cash contribution may be required to proceed. In some cases, a partial repayment at refinance can open up more rate options. We assess the situation objectively and give you a clear picture of what is and is not achievable.

Each lender application results in a credit enquiry, which stays on your credit file. Multiple applications in a short period can affect your credit profile. We assess your situation and present to one lender at a time, reducing unnecessary enquiries and keeping your credit position clean.

Often, yes. A decline on a top-up or refinance from your existing lender does not mean the deal is not achievable. Different lenders assess the same property and borrower profile differently. Non-bank lenders in particular can be more flexible on LVR and serviceability where the overall borrower position is strong.

Most of the time, no. Where a deal requires significant preparation or involves unusual complexity, a small mandate fee may apply. We will always be upfront about this 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.

Beyond refinancing your commercial property, we can help with asset finance and working capital. On asset finance, that covers equipment, machinery and commercial vehicles. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding, and we can consolidate these into your refinance where it makes sense.

Yes, and it is a common starting point. Plenty of owners settle a purchase and leave the facility alone until an expiry letter or a rate change prompts a look. 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 with facilities from $50,000 upwards. We will start by telling you what the property is likely to value at now, what sits on your current facility, what moving actually costs, and whether the move is worth making. If it is not, we will say so and you can stay where you are.

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.