Get Medical Property Loans from 5.85% - 7.50% and 65% - 90% LVR

Yes, we help new graduate doctors and dentists access medical property loans, though terms depend on employment situation. Clients with hospital contracts or positions in established practices find lenders will consider this income. We work with banks offering specific new graduate programs with up to 90% LVR without requiring years of tax returns. The key factor we see is demonstrating stable employment or a clear path to practice establishment.

Dental practices are viewed very favorably due to predictable cash flow and high-value equipment. When our clients purchase dental practices, we find lenders include fitout value and sometimes goodwill in the loan amount. Medical centres with multiple practitioners are assessed on tenant mix and lease agreements, while single dental practices focus more on the practitioner’s experience and patient base.

Yes, we regularly include medical fitout and equipment in property loans. Our clients purchasing medical properties find lenders understand specialised fitout represents significant value – dental chairs, imaging equipment, surgical fitout, or consulting room configurations. We’ve secured loans covering 100% of property plus fitout costs for established medical professionals.

Medical properties are attractive investments, and our non-medical clients can purchase them too. However, we see different LVR and terms apply. Medical professionals investing in healthcare property can access up to 80% LVR through our lender network. Non-medical investors typically receive 65-70% LVR, depending on tenant quality and lease terms. Properties with established medical tenants on long leases receive the best terms.

Our allied health professional clients (physiotherapists, chiropractors, podiatrists, optometrists) receive better terms than standard commercial borrowers but not quite the premium benefits of doctors and dentists. We can often secure up to 80% LVR for owner-occupied properties and about 70% for investments for these practitioners. The exact terms depend on specific profession and experience. Talk to our team to see what’s possible.

For medical professionals, we find documentation requirements are simpler than standard commercial loans. Our clients need AHPRA registration, two years of tax returns (or employment contract for new graduates), practice financials if applicable, property contract, and personal asset/liability statement. When buying existing practices, we also need vendor financials and lease agreements. The streamlined process recognises medical professionals have predictable income patterns.

Yes, we can arrange SMSF medical property loans, though the LVR is typically lower than personal borrowing. When our clients use their SMSF to purchase medical properties, it’s possible to access 70-80% LVR if they’re medical professionals leasing to their practice. Standard SMSF commercial property loans are usually capped at 70% LVR. The property must meet business real property rules and arm’s length requirements. Talk to our team to get a better understanding.

Yes, our medical professional clients typically receive preferential interest rates compared to standard commercial property loans. We secure rates for doctors and dentists similar to residential investment loans rather than higher commercial rates. The discount usually ranges from 0.5% to 1.5% below standard commercial property interest rates. These professional packages recognise the usual stability and low default rates of medical practitioners.