Refinance your warehouse or industrial property

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 an industrial refinance the work is in deciding what actually changed since you settled, because the valuation, the trading figures and the term left on the facility rarely point the same way. We put the file where those three land best, and we stay with it past drawdown as the portfolio grows. Every figure is subject to serviceability, lender appetite and approval.

We refinance commercial facilities from $50K up to $30M, whether that is a single industrial loan you want repriced or several facilities you would rather hold under one structure. The new limit is set by the current valuation and by servicing, not by what you originally borrowed.

Because your bank can only tell you what your bank will do. We do the legwork instead: we run the comparison across more than 40 lenders, work out which ones are actively writing industrial security at your loan size right now, 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, the valuation and the legals against what moving actually gains you, and if it does not stack up after those costs we will tell you that and you can stay where you are.

Three to six months before your expiry or review date gives you room to choose rather than react. A commercial facility is written to a term and then falls due, unlike a home loan that simply runs. Starting early means the valuation, the financials and the comparison are done while the existing loan is still in place, so nothing is decided by a deadline.

Up to 80% of the current value on standard commercial security, which is where warehouses, factories and workshops sit. The number that matters is the fresh valuation, not the price you paid, so a property that has moved since settlement changes what is available.

Yes, where the current valuation supports it. Cash out on a commercial refinance is assessed on the purpose of the funds, so the lender wants to know what it is for. A deposit on a second site, a plant purchase, a fitout or a working capital buffer are all ordinary purposes. We evidence the purpose properly at the outset, which is what keeps it straightforward.

Often not. A decline on a top up is one lender applying one policy on one day, and it is not a view the whole market shares. Industrial security is standard commercial, so it is written by a wide group of banks and non-banks with genuinely different appetites on LVR, loan size and how they read self-employed income. We look at why the answer was no, then place the file where that reason is not the deciding one.

Then we work with the position as it is rather than the one you hoped for. If the balance now sits above the new lender maximum, a partial repayment at settlement can bring it into range and open up the rest of the market. Where the financials do not yet show current trading, alt-doc assessment is available with several lenders. We tell you which of these applies before any application is lodged.

Often yes, and it is one of the more useful things a refinance does. The caution is that not everything belongs on the building. Plant frequently sits better on asset finance against the machine, because the term matches the working life of the equipment. We map what belongs where and consolidate what genuinely benefits from long-term property security.

Four to six weeks from application to settlement for a straightforward file. SMSF refinances and portfolio consolidations take longer, because the holding trust or the extra securities add documentation and coordination. We give you a realistic timeline at the start so you can plan the expiry date around it.

The existing loan statements, two to three years of financial statements and tax returns for the trading entity, personal tax returns and notices of assessment for the guarantors, a statement of assets and liabilities, and details of any other facilities. For an investment property we also need the lease and the rental statements. We work through the list with you at the start rather than asking for things one at a time.

On an investment property it is central, because the rent is what services the loan. Lenders look at the term left on the lease, the quality of the tenant and whether the rent sits at market. A long lease to a solid tenant supports the loan term and the approval. On an owner-occupied building the assessment runs off your own trading figures instead.

The costs are a valuation, legal and settlement fees, any lender establishment fee, discharge costs from your current lender, and break costs where you are leaving a fixed rate. Break costs are an economic cost, so they are calculated on the day and vary with how much fixed term is left. We put the real numbers against the benefit before you commit to anything.

Each application creates a credit enquiry that stays on your file, and several in a short period can affect how the next lender reads you. That is why we assess your position first and present to one lender at a time rather than shopping the file around. It is the same reason we ask for the documents up front.

Yes, it is possible, and we arrange these. It is also one of the more intricate refinances in commercial finance, and the detail is what decides whether it works. From 10 August 2026 a new arrangement can only be used for business real property, and an industrial building trading wholly as a business qualifies, whether you occupy it or a tenant does. It has to stay the same single property, and it is limited to the balance outstanding plus accrued interest, so there is no top up, no redraw and no cash out inside the fund. The holding trust is reassigned to the incoming lender rather than dissolved, which carries a legal cost worth weighing against the gain. Cross-collateralisation is not available inside super. Reassign the holding trust to the incoming lender on the same single property, 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 an industrial property 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.

Most of the time, no. Where a refinance requires significant preparation due to its complexity, 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. Wherever your industrial property is located, we can arrange your finance.

Beyond refinancing the property, we also assist with asset finance and working capital. On asset finance, that covers forklifts, racking, CNC machinery, production lines, compressors and delivery vehicles. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to carry stock and to bridge the gap between despatch and payment, and we can fold these into the refinance where it makes sense.

Yes, and it is more common than you would think. Plenty of owners settle a purchase and never look at the loan again until the expiry letter arrives. 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 building is likely to value at now, what sits on your current facility that you may not have looked at in a while, what the costs of moving actually are, and whether the move is worth making at all. If it is not, we will say so and you can stay where you are.