Refinance your dental practice 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 a practice refinance the work is in seeing the whole position rather than one loan, because the surgery, the goodwill and the equipment run to three different clocks. We map what belongs where, take it to the lenders that write dental properly, and stay with it past drawdown. Every figure is subject to serviceability, lender appetite and approval.

We refinance commercial facilities from $50K up to $30M, whether that is the surgery loan on its own or the property, goodwill and equipment facilities brought 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, and lenders differ sharply on whether they treat dental rooms as a professional category or as ordinary commercial security. We do the legwork: we run the comparison across more than 40 lenders, work out which ones write dental properly at your loan size, 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, valuation and legals against what moving actually gains you, and if it does not stack up we will tell you that.

Often yes, and it is the most useful thing a refinance does at a practice. The caution is that not everything belongs on the property. Equipment usually sits better on asset finance, because the term should match the working life of the chair or the scanner. The goodwill balance is different: it amortises fast and is frequently the highest cost facility you hold, so moving it onto long-term property security is often where the gain is.

Up to 80% of the current value. Dental and medical consulting rooms are standard commercial security, grouped with offices and shops rather than with specialised assets. The figure follows a fresh valuation, not the price you originally paid.

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. Where you hold several facilities, the one falling due first usually sets the timing for looking at all of them together.

Yes, where the current valuation supports it. Cash out is assessed on the purpose of the funds, so a fitout, an imaging suite, an additional surgery or a deposit on a second location are all ordinary purposes. We evidence them with quotes and a timeline, which is a stronger case than an open-ended limit.

Sometimes, so ask at every refinance. Goodwill lending is secured on a business rather than on bricks, so lenders commonly take personal guarantees and occasionally property support. Where the practice now has a trading record and the rooms have revalued, that support is not always still required at the same level. We put the current position to the lender rather than carrying the original terms across by default.

Often not. A decline is one lender applying one policy on one day. Dental rooms are standard commercial security written by a wide group of banks and non-banks with genuinely different appetites on LVR, loan size and how they read practice income. We look at why the answer was no, then place the file where that reason is not the deciding one.

It matters to how the file is presented rather than to whether it can be done. Lenders look at the practice net position and at how durable the billings are, so the split between principal, associate and hygienist billings is something we set out clearly rather than leave to be inferred. Where the latest financials do not yet show current billings, alt-doc assessment is available with several lenders.

Four to six weeks from application to settlement for a straightforward file. Consolidating facilities held across several lenders takes longer, because each discharge has to be coordinated, and SMSF refinances take longer again. We give you a realistic timeline at the start so you can plan around your expiry date.

The existing loan statements for every facility, two to three years of financial statements and tax returns for the practice entity, personal tax returns and notices of assessment, a statement of assets and liabilities, and the equipment schedules. If the rooms are leased to your practice entity we also need that lease. We work through the list with you at the start rather than asking for things one at a time.

The costs are a valuation, legal and settlement fees, any lender establishment fee, discharge costs from each current lender, and break costs where you are leaving a fixed rate. Break costs are an economic cost, calculated on the day and driven by how much fixed term is left. Where you are discharging several facilities there are several sets of those, so we put the real numbers against the benefit before you commit.

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.

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 consulting rooms used wholly for the practice qualify. 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. Your practice entity leases the rooms back in writing, at market rent supported by an independent appraisal, and the rent has to actually be paid. Cross-collateralisation is not available inside super. Reassign the holding trust to the incoming lender on the same single property, and up to 90% with no lenders mortgage insurance where a dental fund holds the practice's own rooms. The major banks have exited SMSF lending. 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 dental 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.

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 practice is located, we can arrange your finance.

Beyond refinancing the rooms, we also assist with asset finance and working capital. On asset finance, that covers chairs, CBCT and OPG imaging, CAD/CAM milling units, intraoral scanners, autoclaves and practice vehicles. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to carry a fitout between billing cycles and to cover wages, and we can fold these into the refinance where it makes sense.

Yes, and it describes most practice owners we speak to. The facilities are set up at purchase and then simply run, often across more than one lender, until something forces a look. 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 laying out every facility you currently hold, what the rooms are likely to value at now, what the costs of moving are, and whether the move is worth making. If it is not, we will say so and you can stay where you are.