Refinance your medical clinic 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 clinic refinance the work is in presenting a building that is part yours and part let, because the practice and the rent roll are assessed on different bases and most files only show one of them. We set out both, take it to the lenders that write healthcare, 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 a single suite you want repriced or a whole clinic building with several tenancies in it. 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 write healthcare 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 your profession 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.

Up to 80% of the current value. Medical and specialist suites 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.

It counts, and yes it does. Rent from let suites supports both the valuation and the servicing, which is often the largest thing that has changed since you settled. A credit team can only count income it can read, so a sessional or associate arrangement agreed verbally has to be written up before we lodge. That is usually paperwork rather than an obstacle, and we flag it at the start so it is done in time.

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. Fitting out another consulting room, converting space into a treatment room, adding a procedure suite or a deposit on a second site are all ordinary purposes. We evidence them with quotes and a timeline, which is a stronger case than an open-ended limit.

More conservatively than plain consulting rooms. A theatre, a shielded imaging room or a sterilising suite is expensive to build and suits a narrower group of occupiers, so a valuer does not credit it at what it cost. That is worth knowing before the valuer attends rather than after the figure comes back, and it is one of the reasons we brief the valuer on what the building is and who uses it.

Often not. A decline on a top up is one lender applying one policy on one day. Clinical premises 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.

Not uniformly, and that is the practical difference at a refinance. Doctors, specialists and dentists sit on every healthcare lending schedule. Physiotherapy, psychology, optometry, podiatry and audiology sit on some and are assessed as ordinary commercial security by others. The building is the same either way, so place the application with a lender whose schedule includes your profession rather than one whose does not.

Often yes, and it is one of the more useful things a refinance does. The caution is that not everything belongs on the building. Equipment usually sits better on asset finance, because the term should match the working life of a scanner or a chair, and a facility that covers wages between billing cycles should keep revolving. Where a goodwill facility is running on a short term at a higher cost, that is frequently the one worth moving.

Four to six weeks from application to settlement for a straightforward file. A building with several tenancies takes longer, because each lease has to be reviewed, 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. For the let part of the building we need every lease or licence and the rental statements. We work through the list with you at the start rather than asking for things one at a time.

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.

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. We put the real numbers against the benefit before you commit to anything.

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 clinical premises used wholly in a business qualify, whether your practice occupies them or another practitioner 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. Every occupier, related or not, leases 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 medical 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 clinical premises 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 clinic is located, we can arrange your finance.

Beyond refinancing the building, we also assist with asset finance and working capital. On asset finance, that covers imaging and ultrasound, treatment chairs and couches, sterilising plant, theatre equipment, practice software and vehicles. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to cover wages between billing cycles and to carry a fitout, and we can fold these into the refinance where it makes sense.

Yes, and it describes most owners we speak to. The facility is set up at purchase and then simply runs, often while the building quietly changes around it. 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 setting out who occupies what, what the building is likely to value at now, what sits on your current facility, what moving costs, and whether it is worth making. If it is not, we will say so and you can stay where you are.