Owning your consulting rooms builds an asset alongside your practice, gives you control over your space, and often makes long-term financial sense. Medical professionals can access strong LVRs on commercial property — sometimes without full financials. We assess what's possible before you start the process.
Eligible medical professionals can often access stronger LVRs on commercial rooms than a general borrower. For established specialists buying the rooms they already work in, certain lenders will lend at strong LVRs — sometimes without full financials — subject to the commercial valuation. The valuation drives what's possible, so it pays to understand your likely position before you make an offer. This is general information; your own position depends on your circumstances and the lender's assessment.
Your practice builds goodwill. Your rooms build capital value. Owning both gives you two appreciating assets instead of one — and a much stronger long-term financial position.
No lease renewals. No landlord decisions affecting your practice. No rent increases that don't align with your income. Ownership gives you certainty.
Medical professionals can access LVRs on commercial property that general borrowers can't. In some cases — particularly for established specialists — this can be done without full financials, subject to valuation.
Buying your rooms and your practice interest at the same time is possible — and sometimes more efficient than doing them separately. We look at the combined structure.
Commercial valuations drive what lenders will do. Before you make an offer on rooms, we can give you a clear picture of the LVR likely available, whether financials will be required, and which lenders will suit your situation.
For established medical specialists buying the rooms they already occupy, there is specific lender policy that can allow purchase at strong LVRs — sometimes without reviewing full financials — subject to the commercial valuation. This is not available through every lender and requires knowing exactly where to go. We do.
Medical Finance Australia is the specialist medical lending division of Model Mortgages, led by Phil Riches (20+ years, former Westpac senior lender) and Virginia Graham Riches (founder, ACL holder, banking and treasury background). We've structured commercial room purchases for medical professionals across every specialty. We know which lenders have the right policies and what it takes to get approval.
Check Your Commercial Property OptionsIt varies by lender and by the commercial valuation, but eligible medical professionals can often access stronger LVRs on medical commercial property than general borrowers. For established specialists buying rooms they already occupy, some lenders go further. We give you a clear picture before you make an offer.
In some cases, yes. There is specific lender policy that allows established specialists to purchase at strong LVRs without full financials, subject to the valuation. It isn't available through every lender, which is why lender choice matters.
Both have a place. Owning builds a capital asset alongside your practice goodwill and removes lease and rent uncertainty; leasing preserves capital and flexibility. The right answer depends on your stage, your plans and your numbers — and the tax side is worth confirming with your accountant.
Often yes, and sometimes structuring them together is more efficient than separately. We look at the combined structure.
The commercial valuation is the main lever, alongside the lease, the tenant or occupier and your profile. Understanding the likely valuation outcome early is what prevents surprises.