Private Lender for Aged Care and Retirement Living

Yes, and your company is the borrower. If the two homes are worth $3,200,000 together with $1,100,000 owing, the 70% limit leaves room for up to $1,140,000. Ask your lawyer what the transfer of clients and registration requires, so the settlement date in the sale agreement is realistic.

• →Business acquisition loans

Yes, where the village property has equity inside the 70% limit after any residents' charges on the title. The loan funds are paid to the operator company, which pays the departing residents or their estates. The resale of the three units is the natural exit, but sale dates are not fixed, so we also look for a refinance or another property sale behind it.

• →Private business loans for retirement village finance

Yes. We lend a single amount at settlement and do not make progress payments, so the full $1,600,000 is paid to your company, which pays the builder as each invoice arrives. Set the term to cover the seven months of work and the time a refinance needs after the rooms reopen.

It can. The loan funds are paid to the provider company, which pays the refunds as they fall due. Because the shift to daily payments may continue, the exit is usually a refinance to a specialist lender rather than future deposits. Bring the deposit balance, the refunds due and the mix of payment choices over the last year.

It can. We can repay the bank against both freehold properties within the 70% limit across all mortgages, and the term can run up to 24 months. The sale of the smaller home is the exit. Start the sale early and give us the expected timeline, so the term covers the buyer's registration with time to spare.

• →Refinance business loans

It can. A smaller town affects the valuation and the amount rather than whether we lend, and our in-house valuers assess the freehold property on a going-concern basis. The property needs a realistic market if it ever had to be sold, so bring the occupancy history and any sales of similar homes in the region.

Yes. On a purchase we lend up to 70% of the lower of the price and our valuation, so at $14,000,000 that is up to $9,800,000 secured by the freehold property of the home itself. The balance and the purchase costs come from your own funds, or from another property added as security. Larger loans are assessed case by case and we need to understand the scenario fully, so call early in the 60 days.

We need to learn your scenario further. A requirement from the regulator does not on its own rule the loan out, but the work it calls for affects the value of the home and how long the loan needs to run. Send us the regulator's letter, the quote for the work and the bank's current loan. We lend a single amount at settlement, which can cover the works and repay the bank together, within the 70% limit.

It can. We repay the current lender and set the term to run past the date the audited figures will be ready. The exit is the specialist lender's refinance, so bring its conditions in writing.

• →Expiring private loan refinance

It can. We value the property as it stands, including the remaining lease term, and an uncertain renewal affects the valuation and the amount rather than whether we lend. The exit can be a refinance once a renewal or a new provider is signed, or the sale of the property, so tell us which you are planning for.

No. Our loans are secured by real property: the freehold of the facility or village, or other property the company or a director owns. The provider registration, refundable deposits and other residents' funds are never the security.

Yes. We lend to registered providers and property owners on the freehold of aged care facilities. The Aged Care Act 2024 started on 1 November 2025, and providers must be registered to receive government funding.

The borrower is always a company, including a company acting as trustee. The company receives the funds and repays the loan through a defined exit, such as a refinance or a property sale. We do not lend to individuals.

Our loans start from $250,000, with larger loans assessed case by case, up to a 70% loan-to-value ratio across all mortgages on the property, after any residents' charges. Terms run from 1 to 24 months, and most borrowers repay within 3 to 6 months.

Our own valuers assess the freehold property on a going-concern basis and take account of any residents' charges or other statutory interests on the title. This is why we can come back with terms quickly on a specialised property.

No. We lend to the operator, and residents' contracts, deposits and statutory protections stay as they are.

Yes. Our aged care and retirement village page explains how we fund an acquisition or refinance of the freehold property on a fixed date.

• →Urgent short term finance for aged care and retirement village property