Refinance your podiatry 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 podiatry refinance the building is doing more than the lease and the permitted use say it is, because the lab went in after settlement. We sort that out, put the lab services on the property side and the equipment on its own, size the working capital to how long the schemes actually take, 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 on the property side, with the lab and clinical equipment funded separately alongside it. The new property limit follows a fresh valuation and current servicing, not what you originally borrowed.

Because an on-site lab makes this a less ordinary file than it looks, and one bank gives you one view of it. We run the comparison across more than 40 lenders, work out which are comfortable with light manufacturing inside a health tenancy and which will size working capital to a scheme collection cycle rather than an average month, 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.

65% to 75% of the current value as an owner-occupier, set by whether a lender extends its medical or professional package to podiatrists. A suite let to another practitioner is assessed nearer 70% on its own income. The lab and clinical equipment are funded separately and do not form part of that figure.

It is the first thing worth checking, and it is usually straightforward once you look. A lab means casting, grinding and milling inside a tenancy that was approved and fitted out for consulting, so the questions are whether the permitted use still covers it, whether the strata by-laws deal with the noise, extraction and waste, and whether the services installed for the lab were funded as building work or ended up on a short equipment line. None of that is usually fatal. Finding it during a search with a settlement date already fixed is the expensive version.

Not in the valuation, no. A valuer treats an orthotics lab and a nail-surgery room as clinical fit-out and discounts both below cost, because the next occupier could not use them. The investment usually pays for itself through what you stop outsourcing. It means the equity behind a release comes from the market moving and the loan amortising rather than from what you built, so a release should be sized against those.

The parts that cannot leave. Extraction, benching, power and noise separation are building services and belong on the property facility over a long term. A 3D scanner, a milling unit, a grinder, a gait-analysis plate and the clinic chairs are moveable equipment with their own replacement cycles and belong on their own finance. Where those have drifted into each other, and they usually have, a refinance is the point to put each back where it belongs and reset the terms to match.

Usually, and the fix starts with measuring it. Most clinics carry the gap on a trading overdraft sized to the average month, which is the wrong measure for income that arrives on somebody else's timetable. A lender reads days to payment by payer, and how long the slowest takes at its worst. Once that number exists a working capital line can be sized to the collection cycle rather than guessed at, and folded into the refinance where it is currently sitting somewhere more expensive.

They govern noise, extraction, waste and hours, and they were written for the building before the lab existed. A grinder running next to a residential lot or a quiet professional tenancy is a different proposition from a podiatrist seeing patients, so settle it rather than discover it later. Most issues resolve with a by-law, a consent or a change to how the lab is ventilated. We put the strata plan, the by-laws, the levies and the recent minutes forward with the application rather than waiting for a search to surface them.

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 a property trading wholly as a business qualifies while one with a residence attached generally does not. 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. Borrowed money cannot fund an improvement either, which bites here, because building or extending a lab is exactly that kind of improvement and has to come from the resources of 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 leases the premises back in writing, at market rent supported by an independent appraisal, and the rent has to actually be paid. Where the lease still describes rooms as consulting space and a lab now runs in them, that document needs fixing first. Cross-collateralisation is not available inside super. Fund the deposit from the fund itself, since cross-collateralisation is not available in super, the major banks have exited SMSF lending, and lenders want a liquidity buffer 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 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.

From the clinic you already own, because a mobile service brings a lender no security of its own. It needs a vehicle, portable chairs and instruments and enough working capital to carry the wages. A mobile round also bills into the same slow-paying schemes as the rest of the practice, so the release has to cover the ramp and not just the vehicle. Sizing it for the vehicle alone and finding the working capital later is how a sound expansion becomes an expensive one.

Usually yes. A recent lab build, a relocation or a service entity structure can leave the last set of accounts well behind the practice. Mid doc lending is built for that: income is self-certified and supported by one document of your choosing, an accountant's letter, two BAS statements, six months of trading bank statements, one year's tax return and notice of assessment, or one year's financial statement. It reaches the same 80% ceiling as full doc on loans to $4 million. A quick doc option, self-certified with no supporting document, sits at 65%.

Often not. On a podiatry clinic a decline usually traces to a credit team uncomfortable with light manufacturing inside a health tenancy, or to a release sized against what the lab cost rather than what the premises value at. Both are questions of presentation and of which lender the file sits with. We look at how it was assessed and why the answer was no, then place it where that reason is not the deciding one.

Around three to six weeks with a major bank and two to four weeks with a non-bank lender for a straightforward file. Where the permitted use or strata by-laws need sorting out first, allow longer at the front end, and SMSF refinances are longer than either. We give you a realistic timeline at the start so you can plan the expiry date around it.

The existing loan statements for the property and every equipment line, two to three years of financial statements and tax returns for the practice entity, a breakdown of billings by payer with days to payment, the strata plan and by-laws where the clinic is in a scheme, any lease over a let suite, personal tax returns and notices of assessment for the guarantors, and a statement of assets and liabilities.

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. Where equipment lines are moving as well there are further payout figures to obtain, and where a by-law is needed there is separate legal work. We put the real numbers against the benefit before you commit to anything.

Most of the time, no. Where the use or by-law position has to be sorted out before the file can go 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 clinic is located, we can arrange your finance.

Beyond refinancing the premises, we also assist with asset finance and working capital. On asset finance, that covers podiatry chairs, 3D scanners, milling and grinding units, gait-analysis equipment, sterilisation, practice software and clinic vehicles. On working capital, we arrange business overdrafts and lines of credit sized to how long NDIS, aged-care and DVA invoices actually take, and we can fold these into the refinance where it makes sense.