Urgent Short Term Finance for Aged Care and Retirement Village Property

Settle or refinance the property on time, then move to a long-term sector lender

Experts in strategic, short-term finance

Rated 5 out of 5Jason V

Hands down, the best private lenders in the biz
Gino, Alec and Finn are exceptional at what they do. Top tier communication and transparent service.

Rated 5 out of 5Rhowell Dela Rosa

Every settlement has been smooth
Gino and the team at Secured Lending are our go-to when a deal needs to move fast or fall outside bank criteria.

Rated 5 out of 5Rory Mcgrath

Always my top choice for nearly all private lending scenarios
I run and operate a private lending brokerage and have worked with Mark and the team for years.

Rated 5 out of 5Luke Egan

Speed to market on lending advances second to none
The owner is also one of best commentators on LinkedIn calling out poor lending and recovery practices.

Rated 5 out of 5amal maharaj

True professionals in the non bank lending space
Straight forward application and assessment process with clear communication till loan settlement.

Rated 5 out of 5Sam Algeri

Excellent service, quick approvals and seamless settlements
The team at Secured Lending, particularly Gino and Finn, are fantastic to work with.

Rated 5 out of 5sebastian wright

Speed, reliability, transparency
Exceptional team. Exceptional Service. Loved working with the team at Secured Lending.

Rated 5 out of 5Jordan Thomas

Gino & Finn are the best in the business
Quick and painless to deal with, keep up the great work SL team!

Rated 5 out of 5Wayne McCarthy

Always willing to think outside the box to get deals done
We've had a great experience working with Secured Lending.

Rated 5 out of 5JP G

Quick, responsive and reasonable
With all the shady characters in the private lending market, its refreshing to find good people to deal with.

Rated 5 out of 5Joel Togo

Always thorough on assessment and will give you a prompt answer
With clients that are in time sensitive situations, this is crucial.

Rated 5 out of 5David Pruscino

Always professional and supportive
It's a pleasure dealing with the Secured team.

Rated 5 out of 5Monica Monsigneur

A professional and common sense lender who delivers

Rated 5 out of 5Thomas de Fegely

Great options in the private space
Have been dealing with Finn from Secured Lending, he has been very responsive.

Rated 5 out of 5Andrew Soo

A very reliable funding partner
Highly recommended.

Rated 5 out of 5Phil Boyle

Very efficient, responsive
Finn was a great help to assist in a very timely manner.

Finance within

24 hours

Loans from

$250k to $10M

Rates from

9.7% p.a.

Terms

1 to 24 months

Aged care and retirement village property sits in a specialised part of the market, and bank approvals can take longer than a settlement date allows. When an operator needs to settle an acquisition or refinance a facility on a fixed date, we can fund it in as little as 24 hours.

We lend to operators and owners on the freehold property of aged care facilities and retirement villages across Australia. Our loans are made to the operator, and they do not change residents' rights.

The rules that shape these loans

•The Aged Care Act 2024 started on 1 November 2025, and providers must be registered to receive government funding
•Residential aged care places allocated under the former system ceased to exist on 1 November 2025
•A refundable accommodation deposit must be refunded within 14 days after the resident leaves, or within 14 days after notice where up to 14 days' notice is given
•The permitted uses of refundable deposits include repaying debt related to buying or building aged care premises
•In Queensland, the residents' statutory charge over retirement village land ranks ahead of registered mortgages

Because a residents' charge ranks ahead of a mortgage in Queensland, it reduces the amount we can lend on a village there. Rules differ between states, so your lawyer should confirm how they apply to your property.

When operators call us

•An acquisition of a facility or village has a fixed settlement date
•The current lender is leaving the sector, or will not renew
•Refurbishment is needed to meet standards, funded as a lump sum at settlement
•A deposit is due on land for a new facility
•Seller finance on a past acquisition is falling due

Funding aged care and retirement property

Enquiry. Send the contract or current loan details and a summary of the operator's registration. Indicative terms come back within hours.
Valuation. Our valuers assess the property on a going-concern basis, taking account of any residents' charges.
Due diligence. We review the operator's registration and any statutory interests on the title with your solicitor.
Settlement. Settlement is possible within 24 hours once the letter of offer is signed.

What our credit team needs

•The contract of sale or current loan statement
•The operator's registration details
•Occupancy and financial figures for the facility
•Details of residents' charges or other statutory interests on the title
•Your repayment plan

Loan options for operators

•First mortgage: over the freehold, valued on a going-concern basis
•Second mortgage: over other property, where residents' charges reduce the loan on the site
•Bridging loans: where a sector lender is expected to refinance
•Secured business loans: a lump sum for refurbishment at settlement

Terms for aged care and village property

Loan feature	Detail
Loan size	$250,000 to $10,000,000
Interest rate	From 9.7% p.a. on a first mortgage, from 11.95% p.a. on a second mortgage
Term	1 to 24 months, interest only
Maximum LVR	70% of the property value after any residents' charges, or of the lower of value and price on a purchase
Security	A first or second mortgage over the freehold property, valued on a going-concern basis. Never provider registration, refundable deposits or other residents' funds
Settlement	From 24 hours

Refinancing with a sector lender

Our loan is usually repaid by a bank or specialist aged care lender once an acquisition has settled or a refurbishment is complete. Where refundable deposits are used to repay acquisition or building debt, the permitted-use rules must be followed. Some operators repay from the sale of another property.

“Aged care and retirement property is specialised, and banks take their time with it. We lend to the operator, with any residents' charges taken into account, so an acquisition or refinance can settle on time, and residents' rights are not changed by our loan. Send us the contract and the facility's figures, and we will tell you what we can lend.”

Gino Tabila

Associate Director

Frequently Asked Questions

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.

No. Residential aged care places allocated under the former system ceased to exist on 1 November 2025, and a provider's registration is never security. The loan is secured by the freehold property.

In Queensland, the residents' statutory charge ranks ahead of registered mortgages over village land, so we lend on the value left after it. Other states have their own rules, and your lawyer can confirm how they apply to your village.

Refundable deposits can repay the loan only within the permitted-use rules. Those rules include repaying debt related to buying or building aged care premises. Your adviser should confirm how they apply before you rely on them.

Yes. Refurbishment costs can be included in the loan at settlement, within 70% of the property value. Send the scope and quotes with your enquiry.

Our loan does not change residents' rights. We lend to the operator, and residents' contracts, deposits and statutory protections stay as they are.

Settlement can happen on the same day once the documents are agreed, depending on your scenario. Specialised valuations and the operator's due diligence usually take longer than our part, so call us early.

Yes. Operators can need working capital for staff, suppliers or compliance costs around an acquisition. We lend for working capital to care operators, professional services firms and other businesses.