Refinance your psychology practice commercial loan

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. Psychology rooms are the easiest clinical property to fund and the most commonly under-tested, because the original loan was arranged once and has run ever since. We put the suite in front of a far wider field than a specialised clinical asset could reach, separate the income into channels a credit team can use, 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. The new limit follows a fresh valuation and current servicing rather than what you originally borrowed, and on this asset the valuation is usually the least contentious part of the file.

Because this is the one clinical asset where a wide field is genuinely available, and going direct guarantees you see none of it. Office-grade consulting rooms attract standard commercial appetite, which brings in lenders that would never look at a theatre or a laboratory. We run the comparison across more than 40 lenders, work out which will separate your income channels properly, and present to one at a time so your credit file does not collect an enquiry for every conversation.

70% to 75% of the current value as an owner-occupier, valued as an office-grade professional suite, and up to 80% where a non-bank assesses the premises as standard commercial. Rooms let or licensed to associates are assessed on their own agreements at investment terms.

Because there is nothing in them a valuer has to write off. Most clinical property is assessed on a specialised-use basis, which reduces the valuation because the next occupier could not use the shielding, the theatres or the plant. A psychology suite has no plant, nothing plumbed in and nothing requiring a licence, so it is priced much like a professional office suite. That is why the published owner-occupier band, 70% to 75%, is the highest in allied health, and why the binding constraint on your file is the income rather than the building.

No, and it does not need to. Acoustic separation is the one real building spend in a psychology suite and it is invisible to a valuer, who sees an office. The trade is a good one: the spend does not lift the figure, but the premises is not marked down as single-use either, which is what happens to every specialised clinical asset. The practical point is not to size a release against what the acoustic work cost, because the equity comes from the market and the amortisation.

Decide it at the refinance rather than drifting. These suites were bought on the assumption of one room per clinician per day, and a hybrid practice needs fewer. A surplus room let or licensed to an associate or another discipline becomes assessed income at investment terms and changes the blend on your file. Alternatively it is the room your next psychologist works from, which is capacity you have already paid for. The option worth avoiding is leaving it as it is and servicing a loan against space doing nothing.

As three things, because they behave as three things. Employee assistance and corporate contracts are billed to an organisation and evidence a floor under the practice. Medicare rebated sessions under a referral arrangement evidence steady volume. Private fees carry the margin. Reported as one revenue total, none of those arguments reaches whoever is reading the file, and on this asset the income is what the decision turns on because the property side is straightforward. That part of the work repays real effort.

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. That last point matters more here than on most assets, because consulting rooms in a converted house are common. 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, so acoustic work or a room reconfiguration comes 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 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. 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 consulting 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.

Often only a modest one, and sometimes none at all. Growth here is a person rather than a premises: a room, a desk and a diary, and a hybrid practice usually has the room already. What does need structuring is the ramp, because a new clinician builds a caseload over months and, where they are employed rather than working on a room-hire basis, the wage runs well ahead of the billings. That is a working capital question, and it is far easier to arrange inside a refinance than as a separate request six months later.

Usually yes. A recent fit-out, 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%.

Very often not, and less often here than anywhere else in clinical property. A decline on consulting rooms almost never traces to the building, because there is nothing unusual about it. It usually traces to income presented as a single figure that a credit team could not get comfortable with, or to a lender whose appetite was never the right fit in the first place. Both are fixable. 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, and consulting rooms are usually at the quicker end because the valuation is ordinary. A file that also documents let rooms takes a little longer, 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, two to three years of financial statements and tax returns for the practice entity, a split of billings across Medicare rebated, employee assistance and private fee income, any agreements over rooms let or licensed to associates, personal tax returns and notices of assessment for the guarantors, and a statement of assets and liabilities. Where the borrower is a trust or company we also need the deed or constitution.

The costs are a valuation, legal and settlement fees, any lender establishment fee, discharge costs from your current lender, and break costs where you are leaving a fixed rate. On this asset there is rarely much else moving, so the arithmetic is unusually clean. We put the real numbers against the benefit before you commit to anything.

Most of the time, no. Where the income has to be reconstructed across channels before the file can go to a lender, or the structure is unusual, 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 consulting rooms are located, we can arrange your finance.

Beyond refinancing the premises, we also assist with asset finance and working capital. On asset finance, that covers consulting-room and reception fit-out, acoustic works, furniture, practice management software and telehealth setup. On working capital, we arrange business overdrafts and lines of credit, including funding to carry a new clinician while a caseload builds, and we can fold these into the refinance where it makes sense.