Refinance your caravan or holiday park commercial loan

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 park refinance the strongest document in the business is the site register, and it usually never leaves the office. We turn it into the argument that some of this income arrives every week regardless of the weather, separate the cabins from the land, and stay with the file past drawdown. Every figure is subject to serviceability, lender appetite and approval.

We refinance commercial facilities from $50K up to $30M on the land and going concern, with the cabins and relocatable homes funded separately alongside it. The new limit follows a fresh trade-based valuation and current servicing, not what you originally borrowed.

Because parks are specialised security and the field of lenders genuinely writing them is narrow, so one bank tells you very little. We run the comparison across more than 40 lenders, work out which weight permanent-site income properly and which will fund cabins as chattels alongside the land, and present to one at a time so your credit file does not collect an enquiry for every conversation. We also model the break costs, valuation and legals against what moving actually gains you.

50% to 60% of the current value on a freehold going concern, with the banks generally at 45% to 55% and non-banks reaching 60%. Plan for a deposit near 40% to 50%. Parks on council or Crown land are leasehold, fund lower again and are capped by the lease.

It is the first thing a park lender asks about. A park with fifty permanent residents paying weekly site fees reads as recurring income with a tourism business attached. A park earning the same total across six or seven weeks of summer is exposed to a wet season. The revenue figure can be identical and the answer completely different. If you have moved the mix toward permanents since you bought, that is a real argument for a better LVR, and the site register is what proves it.

Usually as chattels sitting on the land rather than part of it, so they are valued and financed apart from the freehold. That works in your favour while you are growing, because a cabin can be funded on its own terms and starts earning as soon as it is sited. What tends to happen over a few years is drift: cabins on different lines, one or two capitalised into the property loan because that was easiest at the time, and no clear view of which is which. A refinance is the point to separate the land from what is standing on it.

Less than it will if you leave a credit team to find it in isolation. A tourist park earns across a small number of weather-dependent weeks, so one wet season can dominate a set of financials without being a trend. Present several full years so the peak sits in context, and separate out the income that does not depend on the weather at all: permanent site fees, annual sites, and long-stay workforce or contractor bookings. Naming that floor and showing what it covers against the loan is a far stronger position than hoping a good summer carries it.

Yes, and we get ahead of it. The licence and the planning position set the approved site count, what may be sited on them, and the conditions around length of stay and permanent occupation, and practice can drift away from approval over years. That drift is exactly what a search surfaces. Where the register now shows more permanents than the approval anticipated, or sites are used differently from how they are described, it reads far better assembled and explained by you than discovered with a settlement date already fixed.

Yes, it is possible, and we arrange these. It is also one of the more intricate refinances in commercial finance, and on a park there is a question to settle before all the others. From 10 August 2026 a new arrangement can only be used for business real property, and a trading park qualifies, but a private residence attached to the same title generally does not, and most parks have a manager's residence on them. Settle that first. Beyond it, the property has to stay the same single property, and the refinance is limited to the balance outstanding plus accrued interest, so there is no top up, no redraw and no cash out inside the fund. Borrowed money cannot fund an improvement either, so new amenities come from the resources of the fund, and a cabin bought as a chattel is a separate question again. The holding trust is reassigned to the incoming lender rather than dissolved, which carries a legal cost worth weighing against the gain. The operating entity leases the land back 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. Fund the deposit from the fund itself, since cross-collateralisation is not available in super, the major banks have exited SMSF lending, and lenders want a liquidity buffer 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 park 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.

On two different sides of the structure, which is worth knowing before you commit. Cabins and relocatable homes fund as chattels on their own terms. An amenities block, civil works, power and drainage are improvements to the land and fund on the property side, often on progress draws against certified invoices. The third option is the interesting one: converting tourist sites to annual or permanent changes how a lender reads the park rather than just how much it earns, and it compounds into the next valuation.

Often not. On a park a decline usually traces to a credit team reading a seasonal revenue pattern with no view of how much of the income is permanent, or to a lender that simply does not write this security. Both are questions of presentation and of which lender the file sits with. We look at how it was assessed and why the answer was no, then place it where that reason is not the deciding one.

Around three to six weeks with a major bank and two to four weeks with a non-bank lender. A specialist park valuation takes longer to commission than a standard commercial one, a file that also moves cabin finance takes longer again, and SMSF refinances are longer than either. We give you a realistic timeline at the start so you can plan the expiry date around it.

The existing loan statements for the property and every cabin line, two to three years of financial statements and tax returns for the operating entity, the site register showing tourist, annual and permanent sites with what each pays, occupancy across the full year rather than the peak, the caravan park licence and planning approvals, personal tax returns and notices of assessment for the guarantors, and a statement of assets and liabilities.

The costs are a valuation, legal and settlement fees, any lender establishment fee, discharge costs from each current lender, and break costs where you are leaving a fixed rate. Where cabin finance is moving as well there are further payout figures to obtain. A specialist park valuation costs more than a standard commercial one. We put the real numbers against the benefit before you commit to anything.

Most of the time, no. Where the site register and licence position have to be assembled before the file can go to a lender, a small mandate fee may apply, and 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. Parks are largely a coastal and regional asset and we finance them across the country, wherever yours is.

Beyond refinancing the land and going concern, we also assist with asset finance and working capital. On asset finance, that covers cabins and relocatable homes, amenities and camp-kitchen fit-out, pool and playground plant, park vehicles and mowers and reception technology. On working capital, we arrange business overdrafts and lines of credit sized to the off-season trough and pre-season readiness rather than the average month, and we can fold these into the refinance where it makes sense.