Childcare Centre

Am I eligible for a childcare centre loan?

If you are buying a childcare centre, we have access to several commercial lenders that can get you the right loan with great features!

To determine whether you are eligible for a childcare loan you will need to:

  • Have at least 25 child care positions available.
  • Have current occupancy levels higher than 80%.
  • Demonstrate that the income you earn from the facility is twice as much as the interest you will have to pay on the loan.
  • Demonstrate that your costs will make up less than 60% of the income earned from the facility.
  • Be approved and receive the Commonwealth Government Child Care Benefit.
  • Present the required financial documents as low docs loans are not eligible.
  • Have experience in this industry.
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How much can I borrow?

  • Whether you are purchasing a freehold residential or commercial property; where it’s the latter your LVR can go up to 80% of the value of the property whereas commercial child care properties are limited to 70% of the value of the property.
  • If you are just purchasing the business (so leasehold) you are limited to 50%-60%of the value of the business.

What do banks consider?

  • The likelihood of the success of your application can be affected by whether the property is purposely built as a child care centre or whether it was a residential property that has been converted to a childcare.
  • The amount of experience held in the childcare industry- with most lenders wanting to see at least 3 years industry experience.
  • Where your childcare property is located; is it a metro area with plenty of potential clients around?
  • High occupancy rate with proven track record.

Commercial Property Loans

View a comprehensive list of commercial properties

Commercial Property Loans


Use our unique & innovative mortgage calculators to find out how much you can borrow.

Mortgage Calculators

How do banks value my business?

  • Banks will attempt your return on investment by using your average income, after expenses, over the last 2 years.
  • Banks tend to only consider licenses you hold for places that are for long day care; the value given to these licenses will depend on past performance of the Centre as well as where its located.

Let us do the hard work for you; we have experts that have helped other people with their childcare Centre loans. Let us help you!