Straight answers from brokers who have been doing this for over 20 years.
We work with GPs, medical specialists, dentists, surgeons and other medical professionals — as well as practice owners and managers who need practice or commercial finance. If you work in medicine and have a financing decision to make, we can help.
You don't need to switch for everything. But if your current broker isn't experienced in medical income structures, practice goodwill finance or specialist commercial lending — it's worth a second opinion before you commit. The wrong lender or the wrong structure costs you now and limits your options later.
A short conversation about your situation, your income structure and what you're trying to do. We look at what lenders are likely to do and give you a clear picture before you make any commitments. No cost, no obligation.
No. Medical Finance Australia is finance for medical professionals and practice owners — not patients. We don't provide loans for elective procedures, dental work or cosmetic surgery. We provide specialist lending for the people who run medicine.
Primarily the ownership structure and the experience of the entity buying in. They want to understand the revenue model — leasing arrangements, fee splits, how income is generated — and the track record of the practice. For specialists, income is assessed against EBITDA. For GPs buying into a medical centre, the structure of the centre matters significantly.
Sometimes up to 100%, depending on the situation. For established medical specialists with the right background and structure, lenders can be very accommodating. The valuation is typically the key determining factor.
Assuming your current bank can do it without checking whether it has the right policies and products. A lot of doctors go to the bank that financed their car, or a second-tier bank that gave them a line of credit — and that bank either can't do the transaction or limits what's possible. Talking to the wrong lender first can close doors.
Not really — the structure of the facility matters less than who is buying in, what their experience is, and what their specialty is. A cardiac surgeon and a GP buying into the same type of clinic will be assessed very differently by lenders. What you do within medicine is what drives the assessment.
For specialists with both Medicare and private income, lenders look at the combined revenue and calculate EBITDA — earnings before income tax, depreciation and amortisation. Lenders will sometimes advance up to 5 times EBITDA for medical specialists. In addition, genuine specialists can access significant unsecured lending that other professions cannot.
Yes — certain lenders have specific policies for medical professionals that waive Lenders Mortgage Insurance at higher LVRs. The criteria vary by lender and by what you do within medicine. We know which lenders offer this and how to get you approved.
That's exactly where we work best. Each lender assesses complex medical income differently. Knowing which lender suits your specific income structure — and how to present it — is what we do.
Yes, though the options vary by lender. Registrar income is assessed differently to established specialist income, but there are still lenders who apply professional policy advantages to early-career doctors. We assess your specific situation before recommending anything.
With a proper structure conversation. How you set things up for your first investment property affects your capacity to borrow for the second, third — and eventually for practice rooms or a buy-in. We look at the full picture so you're not limiting yourself with early decisions.
Vendor finance is convenient but it's designed for the supplier's benefit, not yours. It can affect your cash flow, your tax position and your future borrowing capacity. In most cases there's a better structure available. We check before you commit.
It can — depending on how it's structured. Equipment liabilities show up in your borrowing position. The right structure minimises the impact on future borrowing capacity. That's why we look at it before you sign.
Medical, dental, surgical, imaging, allied health, technology, fit-out, refurbishment and vehicles. If it's used in a medical or practice setting, we can look at it.