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Capability 06 · Specialised Assets

Health and specialised, priced on WALE and covenant.

Sector-specific finance for medical centres, childcare, NDIS, healthcare, education and specialised property assets. Long WALE, strong covenants and specialised demand support lender appetite and pricing — we know which banks lean in and which lean out.

$180M+
Specialised assets financed
10yr+
Typical WALE
70%
Senior LVR achieved
3.0%+ margin
Indicative pricing range
Why Evcorp

The same deal, a better outcome.

Sponsors who engage Evcorp before approaching lenders consistently achieve higher approval rates, tighter pricing and better terms. Here is why.

01.

Sector-specialist lenders

Several tier-1 banks and a handful of non-banks now run dedicated healthcare and childcare lending teams. We know who they are, who their preferred operator covenants are, and where they'll stretch.

02.

WALE-priced, not vacancy-feared

Long-WALE specialised assets price closer to investment-grade office than to retail despite often being smaller tickets. We make sure the lender's credit team sees the asset that way.

03.

Operator covenant due diligence

We help present the operator covenant — financials, accreditation status, NDIS provider standing, regulatory licences — in a structure the credit floor can underwrite confidently.

04.

Portfolio and single-asset

Equally comfortable financing a single suburban medical centre or a 12-asset NDIS portfolio across multiple states under a single facility.

How it works

From brief to settlement in four steps.

01

Brief

Asset, location, operator, lease structure (WALE, rent reviews, options), tenant covenant.

02

Indicative

Targeted approach to 2–3 specialised-asset lenders. Indicative terms within 5 business days.

03

Mandate

Formal credit submission with operator due diligence, valuation brief, sector commentary.

04

Settle

Settlement and ongoing relationship management. Most healthcare/childcare lenders prefer multi-asset relationships over single deals.

What we finance

Built for the deal in front of you.

We finance medical centres, GP practices, day surgeries, allied health, childcare centres, NDIS supported-disability housing, aged-care, education and other specialised assets nationally.

Both owner-occupier (where the operator is the borrower) and investment grade (where the asset is leased to a third-party operator) — each requires a different lender approach.

Typical structure
Quantum$3M – $100M+
SectorsMedical · Childcare · NDIS · Aged
Senior LVRUp to 70% (lease-backed)
Term5 – 10 years (IO 5yr common)
PricingBBSY + 2.25% to + 4.50%
WALE preference5+ years (10+ optimal)
Portfolio supportYes — multi-asset facilities
FAQs

Frequently Asked Questions — Healthcare & Specialised Finance

What types of healthcare property can Evcorp finance?
Evcorp arranges finance for medical centres, specialist consulting suites, day surgeries, childcare centres, NDIS accommodation, aged care, education facilities and other specialised property assets. The common thread is strong operator covenants, long WALE and income resilience — characteristics that specialist lenders price favourably.
Why is specialised property financed differently to standard commercial?
Specialised assets have limited alternative uses (a medical centre is harder to re-let as an office), which makes generalist lenders cautious and often results in lower LVRs or higher rates. Sector-specialist lenders who understand operator covenants, NDIS registration and healthcare income profiles price these assets more accurately — often better than standard commercial.
What LVR is available for healthcare and childcare property?
LVRs for healthcare and childcare assets vary by operator covenant strength, lease term and WALE. Well-covenanted assets with long leases typically achieve 65–70% LVR from specialist lenders. Evcorp's sector lender relationships consistently outperform what generalist banks offer for these asset classes.
Can I get finance to buy or build a childcare centre?
Yes. Childcare centres are financed by banks and non-bank lenders on the strength of the operator's lease or the owner-operator's trading history, the licence and approved places, and the property's location. Owner-occupied and leased centres are both financeable; lender appetite is driven by the operator covenant more than the bricks and mortar. Evcorp arranges acquisition, construction and refinance facilities for childcare, medical and aged care assets.
Related

Other capabilities.

Acquisitions

Pre-settlement finance for medical, childcare and specialised assets.

Refinances

Refinance specialised property facilities for better terms.

Development Finance

Ground-up funding for purpose-built healthcare and specialised assets.

Specialised does not mean expensive.

Long WALE and quality covenants attract bank pricing if presented correctly. Send the lease summary and operator details — indicative back within five days.

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