Osteopathy clinics property finance

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. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. An osteopathy clinic is owner-occupied allied-health property, and the case goes to a financier at ease with a clinic run by an established practitioner. With your track record you are in a strong position, and our team keeps supporting you well beyond settlement as the clinic grows. Every figure is subject to serviceability, lender appetite and approval.

Going direct to your bank means one credit policy and one answer. Osteopathy sits in allied health, where recognition as a medical or professional borrower varies from lender to lender: some extend their medical package and its higher LVR, others assess your rooms as standard commercial. A specialist broker knows which lenders treat osteopaths favourably right now and how to present the purchase, including a shared suite with co-located practitioners. You get the lenders that suit it, rather than shopping it around lender by lender, rather than working through a list and collecting declines.

Owner-occupier osteopaths typically borrow around 65% to 75%, with the top of that band from lenders that extend a medical package and nearer 65% to 70% where the rooms are assessed as standard commercial. Any leased portion is assessed on its rent at around 65% to 70%. Talk to us for your exact number.

It depends on the lender. Osteopaths are AHPRA-registered, and some lenders extend their medical or professional lending package, with its higher LVR and lender's mortgage insurance concessions, to recognised allied-health practitioners. Others assess an osteopathy purchase as standard commercial lending, which usually means a lower LVR and a larger deposit. Getting your application in front of a lender that recognises the profession is often worth several percentage points of LVR, and it is one of the first things we sort out.

Yes, and it is one of the most common structures we finance for osteopaths. You occupy your own treatment rooms and lease the remaining rooms to co-located physios, podiatrists or psychologists, whose room hire helps service the loan. The lender treats the part you occupy as owner-occupier lending and assesses the leased rooms on their rental income, so we present the split rather than letting the whole building default to lower investment terms. We evidence the room-hire or licence arrangements and model the loan against your own practice covering the repayment if a room sits empty.

Because an osteopathy clinic carries a light clinical fit-out, treatment tables and consulting rooms rather than heavy medical plant, valuers assess it much like an office or professional consulting suite. That generally works in your favour: the improvements are transferable and the value holds, unlike a purpose-built surgery where a valuer discounts single-use fit-out below cost. Location, the strength of the health precinct and the income from any tenanted rooms carry more weight than the fit-out itself. It is one reason osteopathy rooms often present cleanly to a lender.

For a full-doc application, most lenders want two to three years of practice financial statements and tax returns, personal tax returns for all guarantors, and a copy of the contract of sale. If you are buying through a trust, company or partnership, the relevant deed or constitution and its financials are also needed. Many osteopaths are self-employed or bill through a service entity and do not fit a standard full-doc assessment, so non-bank lenders offer alt-doc and low-doc options evidenced through an accountant's declaration, BAS statements or bank statements. These come with slightly higher rates but open the door for borrowers whose paperwork understates their income, and we work through your situation upfront to identify the best approach.

Owner-occupier finance applies to the rooms your own practice occupies. The lender assesses your practice income and registration alongside the property and offers the higher allied-health LVRs, around 65% to 75%. Investment finance applies to rooms you lease to other practitioners, where the lender focuses on the rental income, the lease or licence terms and tenant quality, usually at 65% to 70%. A shared suite often blends both, and we present the owner-occupied and leased portions separately so each is assessed on its best terms.

Yes, it is possible, and we arrange these. It is also one of the more intricate purchases in commercial finance, and the detail is what decides whether it works. The fund borrows under a limited recourse borrowing arrangement, so the rooms sits in a separate holding trust and the lender can only come after that one property. From 10 August 2026 a new arrangement can only be used for business real property: a property trading wholly as a business generally qualifies, a property with a residence attached generally does not. Your practice leases the rooms back from the fund, in writing, at market rent supported by an independent appraisal, and the rent has to actually be paid. SMSF lending caps well below a standard purchase, so the fund provides its own deposit and the full-price funding available outside super does not apply here. Cross-collateralisation is not available inside super either. Lenders cap SMSF lending below a standard purchase, generally between 65% and 75%, and want cash left in the fund after settlement. We know this sounds complicated. It is, and that is exactly why we do it every day. Reach out to our team and we will guide you through the entire process. We structure the finance, tell you which lenders will take osteopathy rooms 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. Get that right and it is a solid, compliant structure.

Often, yes. A decline frequently comes down to the bank assessing your rooms as standard commercial rather than recognising you as an allied-health professional, or not understanding a suite that mixes owner-occupied and tenanted rooms. Another lender may extend its medical package, or a non-bank may assess the income differently and approve what your bank would not. Sometimes the purchase only needed to be structured and presented correctly. We will give you an honest assessment of what is possible before proceeding.

Most of the time, no. We are paid a commission by the lender once your loan settles, so there is no cost to you. Where your financials are complex, your structure is unusual, or the purchase requires significant preparation before it can go to a lender, we may charge a small mandate fee depending on the complexity. 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 osteopathy rooms or allied-health suite is located, we can arrange your finance.

Although our main speciality is property loans for business owners, we also assist with osteopathy equipment finance and cash flow for osteopaths. On asset finance, that covers treatment tables, consulting-room fit-out and the minor equipment an osteopathy or shared allied-health suite needs. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to cover staff wages, consumables, and the cost of fitting out or filling a shared suite.

Yes. 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 osteopaths and clinic owners seeking finance from $100,000 upwards for their company, so a first commercial loan is well within our wheelhouse. Smaller sole-trader and consumer-style ABN lending sits outside our field.