Specialist commercial property loans for doctors, dentists, and allied health professionals โ with up to 100% LVR for owner-occupiers, no LMI, and 30-year terms. Access lending designed for the way healthcare professionals earn.
You deliver care. You build a patient base. You grow revenue. And every month a substantial portion of it flows to your landlord. As a healthcare professional, you have access to specialist lending that most Australians don't โ and most practitioners aren't using it.
Eligible owner-occupying healthcare professionals may borrow up to 100% of the purchase price โ subject to lender assessment. (Indicative only โ confirm with us.)
Lender's Mortgage Insurance is typically waived for qualifying healthcare professionals, saving tens of thousands upfront. LMI waiver is lender-specific and indicative.
SMSF borrowing (LRBA) may allow you to purchase your own practice premises inside your super fund โ with some lenders lending up to 90% LVR for owner-occupied. (Indicative.)
Tell us about your practice, entity structure, and property goal. We assess borrowing capacity and which lenders suit your profile โ no cost, no obligation.
We map the best ownership entity (personal, company, trust, or SMSF), loan type, and lender โ and build your application for maximum approval strength.
We lodge your application with the right lender, manage queries, and keep you informed โ without disrupting your clinical schedule.
We coordinate formal approval, valuation, and any conditions โ so you can focus on patients while the finance progresses.
You own the building. We remain your finance partner as your portfolio and practice continue to grow.
"Healthcare professionals are the most under-served segment in Australian commercial property lending โ yet they have access to the best terms. Most just don't know it yet." โ Pooja Choudhary
Owner-occupying healthcare professionals may borrow up to 100% of the purchase price. Investment properties up to 85% LVR โ both without Lender's Mortgage Insurance. (Indicative; lender-specific.)
Loan terms up to 30 years with interest-only repayments available for up to 10 years. Fixed, variable, and line of credit structures โ chosen to match your cash flow model.
Construction loans for purpose-built practice premises with progressive drawdowns aligned to your build milestones โ so you only pay interest on drawn funds at each stage.
Purchase your own practice premises inside your SMSF. Some lenders offer up to 90% LVR for owner-occupied healthcare premises under a Limited Recourse Borrowing Arrangement. (Indicative.)
Not just your own clinic โ healthcare professionals accessing investment commercial property with specialist terms up to 85% LVR and no LMI, structured through the right entity.
All figures are indicative and lender-specific. Confirm parameters with Probiz Finance before making any decisions.
| Parameter | Owner-Occupied | Investment Property | SMSF (LRBA) |
|---|---|---|---|
| Maximum LVR | Up to 100% | Up to 85% | Up to 90% |
| LMI Required? | No Waived | No Waived | N/A to SMSF structure |
| Maximum Loan Term | Up to 30 years | Up to 25 years | Up to 25โ30 years |
| Interest-Only Period | Up to 10 years | Up to 5 years | Up to 5 years |
| Rate Types Available | Fixed / Variable / LoC | Fixed / Variable | Fixed / Variable |
| Construction Loans | Yes โ progressive drawdown | Subject to lender | Subject to lender |
| Eligible Borrower Entities | Individual ยท Company ยท Trust ยท Partnership ยท SMSF | ||
Purchase your own practice premises through your SMSF via an LRBA. You pay rent to your own super fund. The fund builds equity. Your retirement grows. We coordinate with your accountant and trustee end-to-end.
Ideal for practices jointly owned by two or more practitioners. Share the purchase price, costs, and equity โ with a lender-friendly structure that reflects the practice's co-ownership arrangement.
Hold property in a company for cleaner separation between personal and business finances, streamlined ownership, and potential corporate tax rate advantages on rental income.
Discretionary or unit trusts offer asset protection and flexible income distribution โ particularly useful for healthcare professionals with complex family, investment, or practice structures.
High-income medical professionals are uniquely positioned to leverage SMSF for commercial property. You pay rent to your own fund at market rate, deductible from your practice. Capital growth and rental income accumulate in a concessionally taxed environment. We coordinate the LRBA structure with your accountant and trustee โ start to finish.
No credit checks at this stage. No obligation. Just a straight read on your eligibility, capacity, and best structure โ usually within 24 hours.
Most commercial brokers don't understand how medical income works. Mixed billing, associate arrangements, locum income, practice goodwill โ these all affect how a lender reads your application. Pooja built her career inside NAB and ANZ assessing exactly these files, before founding Probiz Finance. That institutional knowledge is what she applies to every healthcare property deal we structure.
One conversation with our team maps 50+ lenders' appetite for your specific situation โ and tells you clearly what's achievable before you go anywhere near a bank.
"Pooja made the entire process of financing our new clinic incredibly straightforward. She understood our income structure immediately and found us a deal we didn't think was possible. Highly recommended to any healthcare professional looking to own their premises."
"We'd been turned down by two banks before Pooja found us a specialist medical lender who understood our partnership structure. The SMSF loan came through in weeks. The whole experience was professional and very transparent."
"As a specialist with a complex income mix, I assumed owning commercial property through super would be too complicated. Pooja walked us through every step and coordinated with our accountant seamlessly. We settled with no stress."
No credit checks at this stage, no obligation. Tell us about your practice, property goal, and entity structure โ and we'll come back within one business day with a clear picture of what's achievable.
Not necessarily. Certain lenders offer up to 100% LVR to eligible owner-occupying healthcare professionals โ meaning no cash deposit is required. This is lender-specific and subject to serviceability assessment. In practice, some out-of-pocket costs (stamp duty, legal fees, valuation) still apply regardless of LVR. We clarify your exact position in a free consultation.
A number of lenders operate specific "professional" or "medico" lending programs that recognise healthcare professionals as lower-risk borrowers โ based on income stability, earning trajectory, and professional registration. These programs waive LMI (a fee normally charged when borrowing over 80% LVR), saving qualified borrowers tens of thousands of dollars. Not all lenders offer this, and the criteria vary โ which is why lender selection matters.
Yes โ purchasing commercial property (including your own practice premises) inside a Self-Managed Super Fund via a Limited Recourse Borrowing Arrangement (LRBA) is a well-established structure. The key conditions: the property must meet your SMSF's investment strategy, you (as a related party) must pay market rent to the fund, and the property must be a "business real property." Indicatively, some lenders lend up to 90% LVR for SMSF owner-occupied practice premises. This involves legal and accounting advice beyond our scope โ we work alongside your existing advisors.
This is exactly where using the right broker matters. Standard lenders often struggle to assess complex medical income structures. Specialist medical lenders on our panel assess income differently โ they understand that mixed billing percentages, associate arrangements, and locum income are normal features of a healthcare practice, not red flags. We build your application to address this proactively rather than leaving it to a bank's standard credit policy.
An owner-occupied loan means you (or your practice entity) will use the property to operate your practice. An investment commercial property loan is for properties you rent to another party. Owner-occupied loans typically attract higher maximum LVRs and better rates because lenders consider them lower risk. If you're purchasing through an SMSF and leasing back to your practice at market rent, this may still be classified as a "related-party business real property" transaction โ which is permitted under SIS legislation, with proper structuring.
Timeframes depend on the lender, the complexity of your entity structure, and how quickly documentation is supplied. Simple owner-occupied applications with clean income documentation can receive indicative approval relatively quickly. SMSF applications or multi-entity structures take longer due to additional legal review. We'll give you a realistic timeline once we've assessed your situation โ and we manage the lender process to minimise delays.
Our broker service is free to you. Lenders pay our fee upon successful settlement. There is no cost for the initial consultation, assessment, or lender comparison โ regardless of whether you proceed. Any lender fees, valuation costs, or legal costs are separate and disclosed in full before you commit to anything.
No cost, no obligation, no cookie-cutter advice โ just a real conversation about what's achievable for your specific practice and property goal. Book a strategy session with Pooja.
Please feel free to contact us. Weโre super happy to talk to you.
Feel free to ask anything.