Urgent Short Term Finance for Aged Care and Retirement Village Property

Sixty days can be enough time if you start now. Our loan repays the lender at settlement, within 70% of the facility's value, and the term of up to 24 months is set around your plan to repay us, such as a sale or a new bank loan. Ask the lender for a written payout figure to a settlement date inside the 60 days, and send it to us with the property details and your recent occupancy figures. Refinancing before any appointment also keeps a receiver's costs out of the payout figure.

• →Refinancing a lender that has appointed a receiver

Yes, if the freehold is worth about $8.6 million or more. We lend up to 70% of the property's value, assessed on a going-concern basis, and $6 million is 70% of about $8.57 million. Where the value is lower, another property can be added as security. Send us the lender's notice and the facility's figures, and start talks with the specialist lender now, so its refinance is planned before our loan settles.

• →Refinance business loans

Yes, where the freehold supports a loan of $250,000 or more. The loan funds are paid to the provider, which makes the refunds. 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. Before you plan to repay us from incoming deposits, ask your adviser whether that use fits the permitted-use rules.

That is a question for your solicitor, because the property settlement and the provider registration are separate processes. A provider must be registered to receive government funding under the Aged Care Act 2024. Our loan is secured by the freehold property, so terms can be agreed before the date the contract sets, and we will ask your solicitor about the registration status before settlement.

Yes. We lend on the land, valued as land, up to 70% of the lower of its value and the price. We do not fund the construction, so our loan is repaid when your construction lender refinances it, or through another exit agreed at the start. Send us the contract and the construction lender's timetable.

• →Urgent land purchase loans

Yes, where the village supports the loan. We lend up to 70% of the property's value, and residents' charges on the village affect that value, so send them with your enquiry. The loan funds are paid to your business, which pays the vendor. If the village alone falls short, a second property can be added as security within the same limit.

It can lower the valuation. A going-concern valuation looks at the facility's trading, so a closed wing can reduce the figure, but our valuers also take account of the refurbished rooms reopening. Send occupancy figures from before, during and after the closure, and the date the wing reopens.

Yes, if the land is on its own title. The surplus land can secure the loan on its own, valued as land, up to 70% of its value, and the refurbishment is paid as a lump sum at settlement. The loan is then repaid from the sale of the land, so send us the sale plan and any agent's appraisal you have.

Up to $3,400,000. Our limit is 70% across both mortgages: 70% of $12 million is $8,400,000, and taking away the bank's $5 million leaves $3,400,000. If the property carries a residents' charge, tell us, because it affects the value we lend on. A second mortgage is priced from 11.95% p.a. Check your existing loan agreement with the bank and ask your solicitor what it says about a second mortgage.

• →Second mortgage finance

Yes. A second property can be added as additional security, and your home is assessed within the same 70% limit across both properties. The company remains the borrower and receives the funds, and your home is a property that secures the loan. Your solicitor should explain what offering your home means for you before you sign.

Yes. One loan can clear super guarantee charge together with activity statement debts, and an ATO debt on its own is not a reason we decline. We lend up to 70% of the freehold's value on a going-concern basis. The loan funds are paid to your business, which then pays the ATO in full. Your accountant can confirm the payout figures with the ATO before settlement.

• →Urgent ATO debt loans

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.

• →$3.2 million funded within 24 hours
• →$1.2 million second mortgage funded within 24 hours
• →$1.88 million settled in 48 hours when a bank was delayed

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.

• →Aged care and retirement living lending
• →Working capital loans