Commercial property portfolio refinance

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 portfolio refinance that method earns its keep on the structure rather than the rate: whether the book belongs on one facility or several, which securities should stand alone, and what that leaves you free to do with any single asset later.

We refinance commercial facilities from $50K up to $30M, whether that is one property in the book you want repriced or the whole position moved at once. Across a portfolio the limit is set by what each asset values at, what the combined income services, and the maximum total exposure the incoming lender will hold against one borrower.

Your current lender can price the book. What it cannot do is tell you whether the book should be with it at all. A bank assesses the position against its own policy and its own exposure ceiling, and it has no reason to raise the structural question. We compare the position across more than 40 bank and non-bank lenders, and we set out what each structure would let you do afterwards.

Sometimes, and we test it rather than assume. One lender with one review date is simpler to run and gives you a single relationship to manage. Against that, a book concentrated with one lender can meet its maximum total exposure to a single borrower, which is discovered at the least convenient moment, and it means every asset is assessed against one policy. We map the whole position before recommending anything.

Often yes, and it is one of the more useful things a portfolio refinance does. Where two or three properties are tied together, releasing them onto their own facilities means each can be sold or refinanced later without disturbing the rest. It depends on the gearing each asset can carry on its own, which we model before anything is lodged. Each property needs a current valuation and the settlements have to be sequenced.

Asset by asset, then as a whole. Each property is assessed on its own LVR band rather than on an average taken across the portfolio, so a strong asset is not held back by a weaker one unless the securities are crossed. The combined income and the total servicing are then tested across the position. Where the securities ARE crossed, the pool has to be acceptable to one lender across every asset in it.

It is a policy ceiling rather than a judgement about the book, and the usual answer is to move part of the position rather than all of it. Non-bank and specialist commercial lenders set their own maximums and take a different view of asset type and income presentation. The time to find out where the room is, is before the next contract rather than after.

Where that property stands on its own security, yes, and it is the cleanest way to fund a deposit. Where it sits in a crossed pool, releasing it needs the lender to release the security, and that usually means a look at the whole position at the same time. It is one of the practical costs of a crossed structure and a common reason owners unwind one.

It is normal rather than a complication, and it does need presenting properly. Companies, trusts and individual names read differently to a credit team, and the guarantees behind them have to be set out clearly. Some lenders apply a lower maximum where the borrower is a trust or a company. We map which entity holds what, and who guarantees what, before anything is lodged.

Four to six weeks from application to settlement for a straightforward position, and longer across a book, because each property needs its own valuation and the releases have to be sequenced. Where securities are being separated, the order the settlements happen in is what keeps the position covered throughout, and that planning is most of the work.

The same costs as a single refinance, multiplied by the number of securities. Each property needs its own valuation, and where several are being discharged there are several sets of legal and discharge costs. Break costs may apply on a fixed facility and are calculated as an economic cost by the outgoing lender. We set the full figure out before you commit, because across a book it sets whether the move pays for itself.

Yes, it is possible, and we arrange these. It is refinanced alongside the book rather than inside it. From 10 August 2026 a new arrangement can only be used for business real property, and a commercial property let to a business generally qualifies, though a building with a residential flat on the same title generally does not. Inside a fund the refinance is limited to the balance outstanding plus accrued interest on the same single property, so there is no top up, no redraw and no cash out. Cross-collateralisation is not available in super, so it cannot join a pool with your other assets. We arrange the finance and bring in the SMSF specialists and licensed advisers who set the fund side up.

No, and often they should not be. Facilities expire on different dates, and moving one that still has years to run can cost more in break costs than the move saves. We look at which parts of the book are worth moving now, which are better left, and whether the whole position is worth aligning onto one review date over time rather than in one go.

Recent business and personal financials, tax returns, current loan statements for every facility, the leases on any tenanted assets, rates notices, and details of every entity and trust in the structure. For a book we need that set per property. A clear list of which security sits against which loan is what we ask for first.

Most of the time, no. Where a position needs significant preparation or is unusually complex, and a book across several lenders and entities sometimes is, a small mandate fee may apply. 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 properties are located, we can arrange your finance.

Although our main speciality is property finance for business owners and investors, we also assist with asset finance and working capital. On asset finance, that covers plant and machinery, commercial vehicles and fit-out. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding.

Yes. Holding a book for years without moving it is common, and it is usually why the structure has drifted. There is nothing to catch up on. We start by mapping what you hold, which lender each facility sits with and when each one comes up, and we explain what each option would mean before anything is lodged.