Medical Property Loans
Medical property loans from $500K to $100M+. Medical centres, GP surgeries, dental practices, vet clinics, allied health care facilities and more.
Find the best rates, terms and LVR for your needs from our lending panel of more than 60 commercial lenders.
Medical Property Loans — Overview (Last reviewed 01 March 2026)
Medical Loan Rates
- Interest Rates: 5.95% - 7.50%
- Loan Terms: 1 - 30 years
- Repayment: P&I or Interest-only Flexible
LVR & Deposit
- Maximum LVR: 70% - 95%
- Min Deposit: 10%
- Deposit Range: 10% - 30%
Loan Amount
- Loan Range: $500k – $100m+
- Settlement: 14-28 days
- Lender Panel: 60+ specialist lenders
Types of medical properties we help finance
Our medical property loans cover the full range of healthcare and medical property investments across Australia. With access to 60+ lenders, we understand the medical property market and help you secure and structure financing for:
✅ Medical centres & GP clinics
✅ Specialist consulting suites
✅ Dental practices & orthodontic clinics
✅ Day surgery facilities & day hospitals
✅ Allied health properties (physio, chiro, podiatry)
✅ Pathology & radiology centres
✅ Veterinary clinics & animal hospitals
✅ Medical strata units & suites
Book a call with our team to find out how we can secure the optimal medical property loans for healthcare professionals or commercial property investors.
Could You Qualify for Medical Property Finance?
Quick eligibility check - Medical professionals can access up to 90% LVR
Are you a qualified medical or dental professional?
AHPRA registered professionals qualify for special lending terms up to 90% LVR.
Will you occupy the property for your practice?
Owner-occupier medical professionals receive the best rates and highest LVRs.
How much deposit do you have available?
Medical professionals may need as little as 10%, investors typically 20-30%.
What's your practice or investment experience?
Established practitioners and experienced investors receive preferential terms.
Property type and tenant quality?
Purpose-built medical properties in healthcare precincts attract best terms.
Medical Property Finance Assessment
Analysing your medical property finance eligibility...
Why Our Medical Property Finance Expertise Matters
Specialist knowledge that transforms complex healthcare property transactions into streamlined loan approvals with optimal terms
We Understand Healthcare Markets
Our team knows why medical precincts command premiums, how GP clinics differ from specialist suites, and the value of hospital proximity. We present your medical property in terms lenders appreciate.
Medical Professional Lender Access
From our 60+ lender panel, we identify those offering up to 95% LVR for medical professionals. We match your practice type, specialty, and experience with lenders who specifically favour healthcare practitioners.
Healthcare-Specific Structuring
We address medical property nuances upfront. Day surgery requirements? We highlight compliance specs. Multi-practitioner clinics? We emphasise income diversification benefits to secure optimal financing terms.
Leverage Professional Networks
Our volume of medical property loans gives us negotiating power. We know current medical centre pricing, which lenders favour AHPRA professionals, and how to secure preferential healthcare finance rates.
Fast Medical Loan Approvals
Medical property opportunities require quick decisions. Our established relationships and streamlined processes can secure bridging finance in 48-72 hours, crucial for competitive medical property acquisitions.
Practice-Focused Analysis
We leverage patient demographics, referral networks, and Medicare billings to strengthen your application. Our submissions include metrics that matter - practitioner mix, consulting room ratios, and equipment values.
Nadine Connell
Commercial Finance Broker
Medical Property Finance Rates & Repayments
General rates and repayments guidance for medical property loans including GP practices, dental surgeries, day surgeries, veterinary clinics and allied health premises
Interest Rate General Guidance (last checked 01 March 2026)
Repayment Structures
Principal & Interest
Standard repayment building equity in your medical premises from day one
- Lower total cost
- Build equity
- Tax benefits
Interest Only
Popular with new graduates establishing practices — periods up to 5 years
- Lower payments
- Add 0.15% - 0.30%
- Cash flow focus
Payment Frequency
Match payment schedules to your practice billing cycles
- Weekly
- Fortnightly
- Monthly
Rate Types
Choose certainty or flexibility for your medical property loan
- Variable from 5.95%
- Fixed 1-5 years
- Split loans
Understanding Medical Property Finance in Australia
Why Medical Property Attracts Premium Lending Terms
Medical property sits in a uniquely favourable position within our commercial lending marketplace. Where retail faces restricted lender appetite and industrial relies on lease strength, healthcare property benefits from something lenders value above almost everything else — essential service demand that doesn’t fluctuate with economic cycles. People need medical care regardless of interest rates, consumer confidence, or online disruption.
That fundamental resilience means more lenders are actively competing for medical property deals than any other commercial asset class. For AHPRA-registered doctors, specialists, and dentists, this competition translates into tangible advantages: LVRs of up to 90%, waived Lenders Mortgage Insurance, and interest rates that can sit 0.5% to 1.5% below standard commercial property rates. These aren’t marketing claims — they reflect how lenders price the historically low default rates among medical professionals.
How Professional Status Shapes Your Borrowing Power
Not all medical professionals receive identical treatment from our lenders. Doctors and dentists registered with AHPRA typically access the top tier of lending packages, including dedicated new graduate programs that don’t require years of tax returns. Allied health professionals however — physiotherapists, chiropractors, optometrists, podiatrists — still usually qualify for enhanced terms above standard commercial borrowing, typically reaching up to 80% LVR for owner-occupier purchases.
The distinction matters most for deposit requirements. For example, a doctor purchasing a medical centre as their practice premises may need as little as 10% deposit, while a property investor acquiring the same building without AHPRA status would typically need 30%. That difference on a $2 million medical centre is $400,000 — enough to fundamentally change the viability of a purchase in some cases.
Access Specialist Medical Property Finance Lenders
From major banks to healthcare property specialists, we negotiate with lenders offering up to 90% LVR for medical professionals
medical properties
lenders available
Major Banks - Medical Professional Programs
The Big 4 banks offer competitive rates from and up to 90% LVR for AHPRA-registered doctors, dentists, and specialists.
Best for: Established practitioners, medical centres, purpose-built clinics
Healthcare Property Specialists
Dedicated medical property lenders understanding GP clinics, dental practices, day surgeries, and allied health centres with flexible lending criteria.
Best for: New graduates, specialist clinics, medical fitouts
Regional Bank Lenders
Local expertise with dedicated relationship managers who understand regional healthcare dynamics and provide personalised service for medical professionals.
Best for: Regional practices, rural medical centres, community clinics
Private & Non-Bank Options
Fast approval lenders for complex medical deals, multi-practitioner clinics, or specialised healthcare facilities with decisions in 48-72 hours.
Best for: Quick settlements, day surgeries, challenging deals
Medical Property Loans - Features & Requirements
Compare medical & healthcare property loan features across major banks, non-bank lenders, and private capital
Medical Loan Feature |
Major Banks |
Non-Bank Lenders |
Private Capital |
Availability |
|---|---|---|---|---|
Interest Only Periods |
Up to 5 years |
Up to 5 years |
Full term IO |
Common |
LVR for Medical Professionals |
Up to 95% |
Up to 90% |
60%-80% |
Premium |
AHPRA Professional Benefits |
Waived LMI |
Higher LVR |
Case-by-case |
Exclusive |
Medical Centre Finance |
Preferred |
Specialised |
Available |
Common |
Dental Practice Loans |
Up to 90% LVR |
Available |
Flexible |
Common |
Specialist Clinic Finance |
Preferred |
Available |
Available |
Available |
Allied Health Properties |
Up to 80% LVR |
Available |
Flexible |
Standard |
New Graduate Programs |
Available |
Limited |
Rare |
Select Banks |
Practice Purchase Loans |
100% + fitout |
Available |
Limited |
Common |
Medical Fitout Finance |
Included |
Available |
Flexible |
Common |
Loan Terms |
Up to 30 years |
Up to 25 years |
1-5 years typical |
Flexible |
Location Requirements |
Medical precincts preferred |
Flexible locations |
All considered |
Important |
Factors That Determine Your Actual Medical Property Loan Rates And Terms
- Professional Status
- Property Type
- Owner-Occupier vs Investment
- Location & Precinct
- Practice Experience
- Tenant Mix & Income
- Fitout & Equipment
- Medical Specialty
Select a Factor
Click any factor on the left to see how it influences your medical property loan terms and how we help optimise each element.
The Smart Business Plans Advantage
Save time. Save hassles. Get the right loan for you. Free Consultation.
We call you back
Ever call a bank or broker that doesn't call you back? Not with us. We pride ourselves on our personalised service.
We work for you
We take the time to understand your goals, and with that knowledge we find the right commercial loan products to match.
Australia-wide
We have a national lender network covering medical properties in all Australian metro, regional and rural locations.
Nadine Connell
Commercial Finance Broker
Disclaimer: This calculator is provided for illustration purposes only and does not constitute financial advice or a loan offer. Calculated figures are estimates only, may be inaccurate, and do not reflect actual lender terms or fees. Actual loan amounts, rates, repayments, and eligibility will vary based on your specific circumstances and lender assessment. Do not base any financial decisions on this calculator. Contact our team for a tailored quote.
Medical Property Borrowing Power Calculator
AHPRA-registered professionals access up to 95% LVR — rates from 5.95% p.a.
All eight fields below directly affect your result. Answer as accurately as you can for the most useful estimate.
Used for serviceability. AHPRA professionals: 90% of this income is assessed. Others: 70%.
Tested against a 2% buffer rate. Determines whether your loan is serviceability-limited.
Current medical rate range: 5.95% - 7.50% p.a. Affects monthly repayment and serviceability buffer.
General estimate only — not financial advice. Actual approval subject to full lender credit assessment.
Enter your details and click Calculate to see your medical property borrowing power estimate.
Frequently asked questions
Can I really get 90%+ LVR for a medical property loan in Australia?
Yes, if you’re an AHPRA-registered doctor, specialist, or dentist, we can access lenders offering up to 95% LVR for medical property purchases (in some cases even 100% is possible). This means you’ll normally need a 5+% deposit. When buying your own practice premises as a medical professional, the LVR is more favorable than for investment properties. Allied health professionals can typically access up to 80% LVR, which is still significantly better than standard commercial property loans.
What's the difference between medical practice loans and standard commercial property finance?
Medical property lenders recognise the lower risk profile of healthcare professionals. When our doctor and dentist clients apply, we see lenders waive LMI (Lenders Mortgage Insurance), offer higher LVRs, provide better interest rates, and assess serviceability more favorably. Standard commercial loans typically cap at around 70-75% LVR and require extensive business financials, while our medical professional clients can rely more heavily on personal income and professional status.
Do new medical graduates qualify for medical property finance?
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 graduate programs with up to 95% LVR without requiring years of tax returns. The key factor we see is demonstrating stable employment or a clear path to practice establishment.
How do lenders assess dental practice loans differently from medical centres?
Existing 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.
Can medical fitout and equipment be included in the loan?
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.
What if someone wants to buy a medical property as an investment?
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 90% LVR through our lender network. Non-medical investors typically receive 70% LVR, depending on tenant quality and lease terms. Properties with established medical tenants on long leases receive the best terms.
How does being an allied health professional affect medical property loans?
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.
What documents are needed for a medical property loan application?
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.
Can medical property loans be obtained through SMSFs?
Yes, we can arrange SMSF commercial property loans for medical practices, 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.
Are interest rates different for healthcare property finance?
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.
What happens when medical practices need to expand later?
We structure medical property loans with future expansion in mind. Our initial loan arrangements often include facilities allowing for future fitout upgrades, practice expansion, or purchasing adjoining suites. Many lenders offer our medical professional clients pre-approved credit limits for equipment purchases or practice improvements without requiring full new applications.
