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Residential Aged Care & Retirement Living

Aged Care Property Loans
- up to 60% LVR

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Specialist commercial finance for aged care property. We match the property to the lender whose policy actually fits - saving you 10-15% on your deposit.

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

Owner-occupiers buying their own aged care premises and investors buying tenanted aged care property.

Owner-occupied aged care purchase
Investment aged care with existing tenant (lease-doc eligible)
Refinance an existing commercial loan on aged care
SMSF buying this property type (LRBA structure)
Mixed-use including aged care component
First commercial purchase using residential equity as security

The real challenge

Aged care property lending is specialist commercial - the regulated operating environment (ACQSC accreditation, bed licences, funding regime) means lenders need deep sector knowledge. Specialist aged care property lenders will fund 55-65% LVR for established operators with strong occupancy and compliance history.

Retirement living (unit-based, deferred management fee model) is different again - lenders assess the DMF stream and unit sales rate separately.

How Mortgagefy helps

Property-type specialists. We know which lender will go to 60% LVR on aged care vs the generalist bank that caps at 60%.
Lease-doc for investment. If tenanted on a long lease with strong interest cover, several lenders assess purely on rental income.
SMSF commercial for buying through your fund (LRBA, LVR usually 60-70%).
Honest valuation guidance. We know which valuers each lender uses and what tends to come in low.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Initial brief

20-minute call - property type, purchase or refinance, LVR, timing, trading or rental picture.

Lender match

2-3 lenders whose policy fits the property type and your profile.

Full application

Contract of sale or lease, trading figures or rental schedule, valuations ordered through the right panel.

Formal approval & settlement

Unconditional approval, settlement coordinated with your solicitor.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

What LVR can I get on aged care property?

Typically 60% with specialist lenders. Mainstream banks often cap 10-15% lower for this property category because they classify it as specialist use.

What's the difference between full-doc, low-doc and lease-doc?

Full-doc uses two years of tax returns. Low-doc uses an accountant's letter + BAS. Lease-doc assesses the deal on rental income alone (where tenanted on a long lease with strong interest cover).

What loan terms are available?

Typically 15-25 years for commercial, versus 30 for residential. Interest-only periods of 3-5 years are common.

Can I buy this through my SMSF?

Yes via LRBA (Limited Recourse Borrowing Arrangement). LVR caps are lower (60-70%) and pricing slightly higher than non-SMSF. See our SMSF Commercial Property Loan page.

What are typical interest rates?

Vary by lender, LVR and loan size. For a current indicative rate on your scenario, call us; we won't publish a stale number here.

Get your free aged care property finance assessment

Specialist aged care commercial lenders. Up to 60% LVR, lease-doc options.

Start Your Free Assessment Call 0432 634 648

Related guides

Commercial Property Loans Sydney

Owner-occupied and investment commercial.

Low Doc Commercial Property Loan

Lease-doc and BAS-based options.

SMSF Commercial Property Loan

LRBA structure through your fund.

Development Finance Sydney

Site, construction, residual stock.

Business Loans Sydney

Working capital for your trading business.

Short-Term Business Loan

Bridging while a longer facility is arranged.

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Aged Care Property Loans- up to 60% LVR