Podiatry clinics property loans

It depends on the lender, and that classification shapes your LVR more than any other factor. Some lenders extend their medical package to AHPRA-registered podiatrists and lend up to 75% at sharper pricing, while others assess you as standard commercial nearer 65% to 70%. We know who currently recognises podiatry, so talk to us and we will map yours.

Podiatry clinic finance is a commercial mortgage used to buy the premises a podiatry practice treats from, from a single set of consulting rooms to a clinic with a nail-surgery room and an on-site orthotics lab. Podiatrists sit in the lender-variable band of allied health, so owner-occupier LVRs run 65% to 75% depending on whether a lender extends its medical package. Ardent Capital Group is a Sydney-based finance brokerage helping podiatrists buy their clinic premises across Australia.

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 established podiatry room reads as the steady, income-backed asset it genuinely is when it reaches a lender who already understands owner-occupied allied health, and we match your rooms to those comfortable with the model. As the practice takes on a second chair or another location, we stay close well beyond settlement. Every figure is subject to serviceability, lender appetite and approval.

Going direct to your bank gives you one credit policy and one answer, and for podiatry that answer often depends on whether that particular lender recognises allied health. A specialist broker knows which lenders extend the medical package to podiatrists right now, which treat you as standard commercial, and how to present NDIS, aged-care and DVA income so it services cleanly. You get the lenders genuinely comfortable with it, so you are not chasing each one yourself, rather than collecting declines that leave a mark on your file. That difference regularly moves the LVR by five to ten percentage points.

For an owner-occupier podiatry clinic, expect 65% to 75%, set mainly by whether a lender extends its medical package or assesses you as standard commercial. Investment premises leased to other practitioners sit 5% to 10% lower, around 65% to 70%. Talk to us and we will map your exact number.

For a straightforward owner-occupier purchase, most clients receive indicative credit terms within 48 hours of our first conversation, with formal approval usually following in one to two weeks. Settlement then runs to the contract, commonly three to six weeks with a bank or two to four weeks with a non-bank. Trust and SMSF structures, or a suite in a multi-disciplinary building, take a little longer because there are more moving parts. We give you a realistic timeline upfront so your purchase schedule holds.

For a full-doc application, most lenders want two to three years of practice financials and tax returns, personal tax returns for all guarantors, and the contract of sale. If you buy through a trust or company, the deed or constitution and its financials are needed too. Many podiatrists, particularly those recently out on their own or billing through a service trust, do not fit a standard full-doc assessment, and non-bank lenders offer alt-doc and low-doc options evidenced through an accountant's declaration, BAS or bank statements. These carry slightly higher rates but open the door where your paperwork understates your income. We work through your situation upfront and identify whether a full-doc, alt-doc or low-doc route is the right fit for you.

Owner-occupier finance is used when your own practice treats from the premises, and lenders assess your billings and trading history alongside the property, offering 65% to 75% where podiatry is recognised. Investment finance applies when you buy a clinic to lease to other practitioners, and the focus shifts to the rental income, lease terms and tenant quality. Investment LVRs are typically lower, around 65% to 70%, and a short lease or vacancy makes it harder to finance. Many podiatrists occupy one suite and lease the rest, which we present as a split assessment.

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 clinic 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 clinic 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 a podiatry clinic 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.

In most cases, yes, and how it is funded matters. The premises is valued much like a professional suite, while the minor nail-surgery room, sterilisation plant, on-site orthotics lab, 3D scanner and pressure-plate gait analysis are treated as fit-out and equipment. Some lenders capitalise the fit-out into the property loan, others fund it on a separate chattel mortgage or equipment line so the depreciating kit stays off your property security, and a progress-draw facility can release funds against builder invoices during the build. A clinical fit-out can run well over a hundred thousand dollars, so planning it into the finance from day one keeps your working capital intact.

Lenders will count NDIS, aged-care, residential-care, DVA and Medicare chronic-disease income, but they look closely at how steady it is and how long the invoices take to clear. That invoicing timing is the reason many podiatry clinics run a working-capital line, so wages and consumables are covered while claims are paid. We present this income so it services the loan properly, and we can arrange a business overdraft or line of credit alongside the purchase to smooth the gap. Presenting a mixed public and private book clearly is often what separates an approval from a decline.

Often, yes. A decline frequently comes down to the bank assessing a podiatrist as a standard commercial borrower rather than recognising allied health, or misreading NDIS and aged-care income, not the purchase being unfundable. Another lender may extend its medical package, and a non-bank may take a more flexible view of the fit-out or your structure. We give you a straight assessment of what is realistic before we proceed, and where it does not stack up we will tell you.

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 needs significant preparation before it goes 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. Wherever your podiatry clinic premises are located, we can arrange your finance.

Although our main speciality is property loans for business owners, we also assist with podiatry equipment finance and cash flow for podiatrists. On asset finance, that covers podiatry chairs, nail-surgery and sterilisation equipment, an on-site orthotics lab, 3D scanner and gait analysis, and a mobile-service vehicle. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to cover wages, consumables and the timing gap on NDIS, aged-care and DVA invoicing.

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 podiatrists 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.