Medical clinic property loans

Yes. Some major banks that favour medical borrowers will fund up to 100% of the purchase price where additional security, usually your home or another practice property, supports it. Inside an SMSF that is not available and lenders cap at 65% to 75%. The exact structure depends on your file, so talk to us.

Medical clinic finance is a commercial mortgage used to buy healthcare property, from GP surgeries and dental practices to specialist suites and allied health facilities. Medical professionals often access higher LVRs than other borrowers, reflecting strong income profiles, though terms depend on the property type and your entity structure. Ardent Capital Group is a Sydney-based finance brokerage helping healthcare professionals buy their clinic premises across Australia.

Specialist clinic premises funding runs from $50K up to $30M, covering a consulting suite in a medical centre through to a standalone building near a hospital. Proximity to referrers and the strength of practice income both feed in.

Ardent Capital Group brings the same method to every client: execution and strategy, clear advice for smart lending, and long-term growth. That means the right lender, structure and timing, straight advice so you borrow with confidence, and today's deal built toward where you want to be tomorrow. We are specialists in helping business owners secure finance to purchase their own property, and we understand the complex structures that often sit around it, including multiple trusts, holding companies and self-managed super funds. The fit-out and the location shape both the value and how a funder reads specialist consulting premises, so repayments are set to work with, rather than against, how the practice trades. We stay alongside you as the practice grows and the property becomes a longer-term asset. Sydney is our home market, and the Sydney commercial property lending page sets out how local zoning and valuers read a deal. Every figure is subject to serviceability, lender appetite and approval.

Going direct to your bank means one set of lending criteria and one answer. Medical and specialist property is a niche asset class, and not every lender has strong appetite for healthcare real estate. Some offer preferential pricing to medical professionals that is not publicly advertised. A specialist broker knows which lenders actively want medical borrowers, what their credit appetite looks like right now, and how to structure a submission that gets approved. You get the lenders that suit your situation, so you are not approaching each one yourself, rather than working through a list and collecting unnecessary declines.

Medical professionals can typically access LVRs of 75% to 80% for owner-occupier medical property with major bank lenders, reflecting the strong income and low default rates in the healthcare sector. Some lenders will consider up to 85% for well-qualified healthcare borrowers. For investment medical property, LVRs typically sit between 65% and 75%. The property type, location, tenancy profile and your borrower profile all affect what a lender will offer.

For a straightforward owner-occupier purchase, most clients receive indicative credit terms within 48 hours of our first conversation. Formal approval typically follows within one to two weeks. Partnership structures, SMSF lending and multi-tenancy buildings take longer because there are more moving parts to assess. We will give you a realistic timeline upfront so your purchase schedule stays intact.

For a full-doc application, most lenders require two to three years of practice financial statements and tax returns, personal tax returns for all guarantors, and a copy of the contract of sale or expression of interest. If the borrower is a trust, partnership or company, the relevant deed or constitution and associated financials will also be needed. That said, many medical professionals, particularly those who are self-employed or structure income through a service trust, do not fit neatly into a standard full-doc assessment. Non-bank lenders offer alt-doc and low-doc options where income can be evidenced through an accountant's declaration, BAS statements or bank statements rather than full financials. These products typically come with slightly higher rates but open the door for borrowers whose paperwork does not reflect the full picture of what they earn. We work through your income situation upfront and identify whether a full-doc, alt-doc or low-doc approach is the right fit for you.

Owner-occupier finance is used when your practice occupies the premises. Lenders assess the practice income and trading history alongside the property, and offer LVRs of up to 75% to 80% for medical professionals. Investment finance is used when you are buying a medical building to lease to other practitioners. Lenders focus on the rental income, lease terms and tenant quality. Investment LVRs are typically lower, usually between 65% and 75%, and vacancy or short-lease situations can be harder to finance.

Yes, it is possible, and we arrange these. It is also one of the more intricate purchases in commercial finance, and the detail is what decides whether it works. The fund borrows under a limited recourse borrowing arrangement, so the premises sits in a separate holding trust and the lender can only come after that one property. From 10 August 2026 a new arrangement can only be used for business real property: a property trading wholly as a business generally qualifies, a property with a residence attached generally does not. Your practice leases the premises back from the fund, in writing, at market rent supported by an independent appraisal, and the rent has to actually be paid. SMSF lending caps well below a standard purchase, so the fund provides its own deposit and the full-price funding available outside super does not apply here. Cross-collateralisation is not available inside super either. Through a specialist healthcare lender your fund can borrow up to 90% of the purchase price for owner-occupied practice premises, and a non-bank commercial lender publishes up to 80% on loans from $100,000 to $10 million with no liquidity or net asset requirement on the fund. Most lenders will still want cash left in the fund after settlement. We know this sounds complicated, and we can assist to make things clearer. Reach out to our team and we will guide you through the entire process. We structure the finance, tell you which lenders will take clinic premises as SMSF security and on what terms, and bring in the SMSF specialists and licensed advisers who set the fund side up. You will not be working it out on your own. Get that right and it is a solid, compliant structure. Our SMSF medical and health premises page covers how a fund buys practice premises and what changes from one practice type to the next.

In many cases, yes. Some lenders will include fitout finance as part of the commercial property loan, either at settlement or as a separate facility drawn down afterwards. Others require fitout funding to be structured separately through equipment or business finance. The right approach depends on the lender, the cost and nature of the fitout, and the overall lending structure. A dental surgery or specialist suite fitout can cost several hundred thousand dollars, so planning for this as part of the finance package from the start avoids problems later.

Yes. Group medical practice partnerships and professional syndicates are a common way for practitioners to buy premises together. The structure is assessed differently from a single-borrower loan. Lenders review the partnership agreement or joint ownership arrangement, the financial position of each partner, and how the loan would be serviced if one partner exited the practice. We have experience presenting medical partnership structures to lenders clearly and credibly, and we know which lenders are most comfortable with this type of borrower.

Often, yes. A decline from your bank does not necessarily mean the deal is not fundable. Banks have rigid credit policies, and medical property does not always fit neatly within them. Non-bank lenders and specialist medical finance providers assess deals differently, and sometimes a structuring or presentation issue is all that stood between you and an approval. We will give you an honest assessment of what is possible before proceeding.

Yes, it is possible, subject to serviceability, lender appetite and approval from our lender panel. We can help you access funding for up to 100% of the purchase price of an existing specialist practice, secured on the goodwill and equipment of that practice rather than your home or other property. The loan amortises over 15 years and can be structured interest only for up to three years. The goodwill is not separately valued, which removes one of the slower steps in an acquisition, and it matters here because a referral network built over years carries much of the value in a specialist practice.

Yes, it is possible, subject to serviceability, lender appetite and approval from our lender panel. We can help you access up to 100% of the amount you need to buy into an existing partnership, or to increase your share in a practice you already part-own. Security is taken over your share of the partnership alone, so the existing partners and their own arrangements stay as they are. That matters on a buy-in, because the version that stalls is the one where every partner has to re-document their position before you can settle.

Life and income protection cover, sufficient to cover any loan balance secured by goodwill. Goodwill is intangible and depends on you continuing to practise, so a lender funding it requires that cover in place before settlement. We raise it in the first conversation so it is organised early, rather than surfacing as a condition late in the process when your settlement date is already fixed.

On earnings, not on a separate goodwill valuation. Specialist healthcare lenders assess a practice on a combination of EBITDA and gross practice revenue, and one does not require a valuation of the goodwill at all. Where the lending is against practice earnings rather than the property, published policy allows up to 3.5 times EBITDA for medical specialist, diagnostic and day hospital businesses, or 70% of an external valuation. That earnings-based lending is aimed at larger practices: the lender sets a minimum commercial debt of $1 million and minimum revenue of $2.5 million, and looks for a large or multi-site practice in a metropolitan location. Every figure is subject to serviceability, lender appetite and approval.

It can. Up to an additional 10% LVR is published for medical professionals holding a fellowship from an Australian Medical College, and for healthcare businesses meeting a lender's health goodwill guidelines, where the lending is against commercial owner-occupied or residential property. On top of the standard 80% LVR for owner-occupied commercial property, published policy allows additional lending of up to $1 million for medical specialists and surgeons and up to $250,000 for general practitioners, assessed on net taxable income from personal exertion. Tell us about your qualifications in the first conversation, because it changes which lender the file suits. Every figure is subject to serviceability, lender appetite and approval.

Up to 10 years. Terms on practice premises run to 30 years, with interest only available for up to a decade of that, and fixed, variable and line of credit options inside the same structure. A long interest only window is worth structuring for where you are building referral volume after opening or acquiring a suite. Every figure is subject to serviceability, lender appetite and approval.

Most of the time, no. Where your financials are complex, your structure is unusual, or the deal requires significant preparation before it can go to a lender, we may charge a small mandate fee depending on the complexity. We will always be upfront about this before any work begins.

Although we are based in Sydney, we service clients across all major Australian cities, including Melbourne, Perth, Brisbane, the Gold Coast, Adelaide, Canberra and Hobart, along with their surrounding regional areas. Wherever your practice or clinic premises are located, we can arrange your medical property finance.

Although our main speciality is property loans for business owners, we also assist with medical equipment finance and working capital for specialist clinics. On asset finance, that covers medical and dental equipment such as dental chairs, imaging and radiology machines, sterilisation and CBCT units, and full practice fit-outs. On working capital, we arrange business overdrafts, lines of credit and cash-flow funding to cover staff wages, consumables, and the cost of opening or expanding a practice. We also arrange home loans. Doctors and dentists borrow to 95% with the mortgage insurance premium waived and no minimum income: see home loans for doctors. Where you are developing rather than buying, we also arrange medical centre development finance.

Yes. That is our core ethos, helping you understand the right strategy, structure and clear advice from the very first conversation. Our main borrower profiles are established practitioners and practice owners seeking finance from $50,000 upwards for their company, so a first commercial loan is well within our wheelhouse. Smaller sole-trader and consumer-style ABN lending sits outside our field.

No. Arranging finance and advising on financial products are two different disciplines, and we do the first. What we bring is the credit analysis lenders require, the structuring of the facility, and the strategy for putting your application in front of lenders whose appetite matches it.

Because we act as a credit representative under an Australian Credit Licence, we do not give financial product, superannuation, taxation or legal advice, and nothing we provide should be taken as such. Where your circumstances need that input, we are happy to work with your accountant, financial adviser and solicitor to understand the full picture before anything is submitted.

The information on this page is general in nature and does not take account of your objectives, financial situation or needs.