Osteopathy clinics property loans

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. If the property is in Sydney, our commercial mortgages in Sydney page goes deeper on that market. 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.

Osteopathy clinic funding runs from $50K up to $30M, from a single treatment room in a health hub to a larger multi-practitioner clinic. Practice income and the property are assessed together where you occupy the premises.

Owner-occupier osteopaths typically borrow around 65% to 75%, with the top of that band from lenders that extend a medical package and up to 80% through a non-bank 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. Commercial SMSF lending reaches 80% on loans from $100,000 to $10 million, with no liquidity or net asset requirement on the fund, and terms of 15 to 30 years with up to five years interest only. Most lenders will still want cash 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 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. Our SMSF medical and health premises page covers how a fund buys practice premises and what changes from one practice type to the next.

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.

Yes, it is possible, subject to serviceability, lender appetite and approval from our lender panel. Commercial lenders on our panel run mid doc programs where income is self-certified and supported by just one of the following: an accountant's letter, your last two BAS statements, six months of trading bank statements, one year's tax return and notice of assessment, or one year's financial statement. Mid doc reaches the same 80% LVR ceiling as a full doc application on loans to $4 million. A quick doc option, self-certified with no supporting document, sits at 65%. This is the usual route where a recent fit-out, a relocation or a service entity structure makes your last set of accounts a poor guide to what the practice earns now.

Sometimes, and it is a separate question from whether a lender extends a medical package to osteopaths or assesses the rooms as standard commercial. Non-bank commercial lenders assess the premises as commercial property rather than through an allied health package, and publish up to 80% on full doc and mid doc for loans from $100,000 to $4 million, 70% between $4 million and $10 million, and 65% on quick doc. For a standard consulting suite in a populated area that can sit above what a bank offers on a package assessment. We look at both routes rather than assuming one is the better one. Every figure is subject to serviceability, lender appetite and approval.

Up to 30 years principal and interest, with interest only for up to five years, and an application can be made to extend the interest only period by a further year. A separate lender on our panel publishes interest only for up to eight years at 80% LVR, which carries a rate loading. A 30 year term on commercial security is longer than most banks will offer, and it changes what the repayment looks like against your consultation billings. Every figure is subject to serviceability, lender appetite and approval.

Not with every lender. Some commercial facilities on our panel carry no annual reviews and no unused facility fees, so once the loan settles it runs on its terms. Bank commercial facilities are more commonly subject to an annual review, where the lender revisits your financials and can reprice or restructure the facility. If you would rather not repeat that exercise every year, raise it at the start, because it narrows which lenders suit the file.

Most of the time, no. 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. We also arrange home loans. Allied health practitioners borrow to 90% with the mortgage insurance premium waived: see home loans for professionals. Where you are fitting out rather than buying, we also arrange osteopathy clinic fitout finance.

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 $50,000 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.

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.