Speak to a Broker Now — 0432 634 648· Mon–Sat 9am–7pm

Centres, Early Learning Facilities

Childcare Property Loans
- up to 70% 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 childcare 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 childcare premises and investors buying tenanted childcare property.

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

The real challenge

Childcare property is specialist commercial - the property has a specific use (purpose-built with playgrounds, sleeping rooms, licensed to a maximum enrolment), and the tenant is usually a childcare operator on a long triple-net lease. Specialist childcare property lenders will go to 70% LVR against a 10+ year lease to a credentialled operator.

Separate from the childcare business finance - see our Childcare Centre Business Loan page for the operator side.

How Mortgagefy helps

Property-type specialists. We know which lender will go to 70% LVR on childcare 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 childcare property?

Typically 70% 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 childcare property finance assessment

Specialist childcare commercial lenders. Up to 70% 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.

Childcare Property Loans- up to 70% LVR