Commercial Property Loans for Healthcare Professionals | ProBiz Finance
Healthcare Commercial Finance · Australia

Commercial Property Loans
for Healthcare Professionals

Stop paying rent to someone else. Own your practice premises with specialist commercial property finance — up to 100% LVR, no LMI, and terms built for the way doctors actually work.

100%
Max LVR for owner-occupiers
No LMI
Lender's Mortgage Insurance waived
30 Yrs
Maximum loan term
50+
Lenders on panel
Modern medical building
Purpose-built medical centreOwner-occupied · No LMI · 100% LVR
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Up to 100%LVR for owner-occupiers
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No LMISave tens of thousands
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10 YearsInterest-only available
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90% LVRSMSF owner-occupied loans
Doctor in modern medical facility
$0 Deposit PossibleFor eligible owner-occupying healthcare professionals

Stop Paying Rent.
Start Building Equity.

Every month you lease, you're building someone else's wealth. As a healthcare professional, you have access to specialist lending that most Australians don't — with no LMI, high LVRs, and structures built for medical income.

Borrow up to 100% of purchase price as an owner-occupier — no deposit required
No Lender's Mortgage Insurance — saving you tens of thousands upfront
Fixed, variable and line of credit options tailored to your financial strategy
Interest-only repayments for up to 10 years — maximise practice cash flow
Construction loans available for purpose-built clinics and medical facilities

Everything Built for Healthcare Professionals

Specialist medical property finance looks nothing like a standard commercial loan — here's what you actually get.

Commercial property
LVR & LMI
High LVR with No Lender's Mortgage Insurance
Owner-occupying healthcare professionals may borrow up to 100% of the purchase price. Investment properties are eligible up to 85% LVR — both with no LMI, saving you significant upfront costs that can run into tens of thousands.
✓ No LMI at up to 100% LVR
Finance planning
Repayment Flexibility
Terms Up to 30 Years · Interest-Only for 10
Extended loan terms up to 30 years with interest-only repayments available for up to 10 years. Choose fixed, variable, or line of credit — structured around your income model and practice cash flow from day one.
✓ Fixed · Variable · Line of Credit
Medical clinic construction
Construction Finance
Purpose-Built Clinic Construction Loans
Building from the ground up? Construction loans for purpose-built practice premises are available with progressive drawdowns aligned to build milestones — so you only pay interest on what's been drawn at each stage.
✓ Progressive drawdown available
Ownership structure strategy
Ownership Structure
SMSF, Company, Trust or Partnership
Loans structured through SMSF, partnership, company, or trust entities — giving you full flexibility to align property ownership with your overall wealth, asset protection, and tax strategy from the outset.
✓ SMSF · Company · Trust · Partnership

The Numbers That Matter

Transparent lending parameters so you know exactly what's possible before you even pick up the phone.

100%
Owner-Occupier LVR
Healthcare professionals buying their own practice may borrow the full purchase price with no deposit required.
85%
Investment LVR
Investment commercial properties funded up to 85% — with no LMI applicable for eligible professionals.
30yr
Max Loan Term
Extended terms provide lower monthly repayments, improving practice cash flow during critical early ownership.
10yr
Interest-Only Period
Interest-only repayments for up to a decade — maximising flexibility as your practice grows.
Modern medical building

Own the Building.
Own Your Future.

Australia's healthcare professionals are uniquely positioned to access lending advantages unavailable to most — including 100% LVR finance with no LMI. Let us show you exactly what you qualify for.

Borrow Through the Right Entity for You

Structure your loan through SMSF, company, trust, or partnership — each with distinct tax, protection, and wealth advantages.

Healthcare building
Financial planning
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SMSF (Self-Managed Super Fund)
Purchase your own practice premises through your SMSF with borrowing up to 90% LVR for owner-occupied properties — a powerful wealth strategy for high-income medical professionals.
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Partnership Structure
Ideal for jointly owned medical practices — share costs, equity, and tax benefits across the group with a clean, lender-friendly ownership arrangement.
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Company Structure
Hold property in a company for streamlined ownership, potential tax advantages, and cleaner separation between your personal and practice finances.
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Trust Structure
Discretionary or unit trusts offer significant asset protection and flexible income distribution — ideal for complex family and investment structures.

Buy Your Practice Inside Your Super Fund

High-income medical professionals are uniquely positioned to leverage their SMSF for commercial property investment. Purchasing your own practice premises inside your super fund can deliver significant long-term tax advantages — with specialist LRBA structures arranged end-to-end.

You pay rent to your own SMSF. Your super fund builds equity. Your retirement grows. We coordinate everything with your accountant and trustee.

90%
Max LVR for SMSF
owner-occupied practice
$0
LMI payable for
eligible professionals
SMSF retirement wealth

We Understand How Medical Professionals Borrow

Standard bank lending doesn't account for medical income structures. We work with lenders who do.

Medical finance specialist
01
Medical Lending Specialists
We know how lenders assess doctor applications differently — complex income, mixed billing, locum arrangements, associate contracts — and build your file for maximum approval success.
50 lenders
02
50+ Lenders on Panel
Major banks, specialist medical lenders, and non-banks who actively compete for healthcare professionals' business — giving you the most competitive rates and structures available.
LMI savings
03
LMI Waiver Expertise
We know precisely which lenders offer LMI waivers for medical professionals and exactly how to structure your application to save you tens of thousands upfront.
End to end service
04
End-to-End Management
From first consultation to settlement and beyond — we manage everything. You stay focused on patients while we handle every detail of your finance from start to finish.
Wealth strategy
05
Holistic Wealth Strategy
We position your commercial property borrowing within your broader financial picture — practice, SMSF, residential, and personal wealth — all strategically aligned.
Confidential advice
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Discretion & Efficiency
We respect your time and confidentiality. Minimal back-and-forth, fast assessments, and a finance partner who operates at your pace — not the bank's timeline.

From Enquiry to Settlement

A streamlined 4-step process designed around your busy schedule — most initial assessments completed within 24 hours.

Free consultation
1
Free Strategy Call
Tell us your situation — practice type, entity, purchase price. We assess eligibility on the spot, no commitment required.
Lender comparison
2
Lender Matching
We compare 50+ lenders and present your best options — rates, structures, and conditions clearly explained.
Loan application
3
Application & Approval
We prepare and lodge your application, manage lender queries, and keep you informed at every step without burdening your schedule.
Settlement keys
4
Settlement & Beyond
We're here through settlement and continue as your ongoing finance partner as your portfolio and practice grows.
Doctor smiling

Trusted by Doctors,
Dentists & Specialists Across Australia

From GPs and surgeons to dentists, allied health professionals, and pharmacists — we've helped hundreds of healthcare professionals own their practice premises and build long-term wealth.

Chat With Us on WhatsApp
Medical finance consultation

Book Your Free Strategy Call

Tell us about your situation and we'll come back to you — usually within a few hours — with your borrowing capacity, best structure, and which lenders will compete hardest for your business.

No obligation, no cost — just expert advice
Fast response — typically within a few hours
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Complete confidentiality guaranteed
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Specialists in healthcare professional lending
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Call directly: 0415 929 728
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WhatsApp: Message Us Now

Book My Free Strategy Call

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Your information is strictly confidential and never shared with third parties.
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Commercial building

Ready to Own Your
Practice Premises?

Speak with a specialist today — no obligation, no jargon, just clear advice on what you qualify for.

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