Finance for Doctors & Medical Professionals | ProBiz Finance Australia
Specialist Medical Finance · Australia

Finance Solutions Tailored for Doctors & Medical Professionals

You've dedicated years to building your career in medicine. Now build the financial future to match. ProBiz Finance offers specialist lending solutions designed exclusively for Australia's healthcare professionals.

10+
Years Experience
50+
Lenders on Panel
What We Can Help You With
  • Buy an existing medical practice with specialist funding
  • Construct or renovate your clinic or surgery
  • Residential & commercial property loans for doctors
  • SMSF lending & retirement-focused property finance
  • Exclusive medical professional rate discounts
  • LMI waivers up to 90–95% LVR for eligible professionals
Call 0415 929 728 — Free Consultation

No obligation · Speak with a medical finance specialist

Built for Australia's Healthcare Professionals

Medical professionals operate in a unique financial landscape — your income structure, employment contracts, and career trajectory are unlike any other sector. Standard bank lending simply doesn't account for this. We do.

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GPs & General Practitioners

Practice ownership, mixed billing structures, and investment property for doctors.

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Specialists & Surgeons

High-income professionals with complex structures — we know how to present your file.

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Dentists & Dental Groups

Practice acquisition, fitouts, and multi-site clinic expansion finance.

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Allied Health Professionals

Physiotherapists, pharmacists, optometrists, psychologists and more.

Key Challenges We Solve
01
Complex income structures. Payday, locum, private billing — we work with lenders who understand medical remuneration models, not just payslips.
02
LMI waivers for eligible doctors. Access LMI-free lending at up to 90–95% LVR — saving you tens of thousands upfront.
03
No time to deal with banks directly. We handle everything — from structuring your application to settlement — so you stay focused on patients.
04
Business & personal finance under one roof. Home loan, practice acquisition, or SMSF — we bring it all together strategically.
05
Access to the right lenders. With 50+ lenders on panel, we match you to institutions that actively compete for medical professionals' business.

A Finance Partner Who Speaks Your Language

We don't offer generic mortgage broking. We specialise in the financial world of medical professionals — understanding your career path, income complexity, and long-term wealth goals.

01

Medical Lending Specialists

Our brokers understand how lenders assess doctor, dentist, and specialist applications differently — we build your file for success.

02

50+ Lender Access

We work with major banks, non-banks, and specialist medical lenders — giving you the most competitive rates and structures available.

03

LMI Waiver Expertise

Eligible medical professionals can avoid costly Lenders Mortgage Insurance. We know exactly which lenders offer this — and how to qualify you.

04

End-to-End Service

From first consultation to settlement and beyond — we manage everything, keeping you informed without overloading your schedule.

05

Holistic Wealth Focus

We look beyond just the loan. We position your borrowing as part of a broader financial strategy — property, practice, SMSF, and personal wealth combined.

06

Discretion & Efficiency

We respect that your time is valuable. We operate with confidentiality, minimal back-and-forth, and fast turnarounds on assessments.

Specialist Solutions for Every Stage of Your Career

Whether you're buying your first practice, expanding your clinic, or building long-term wealth through property and superannuation — we have a solution precisely built for you.

Buy a Medical Practice

Own Your Practice — Without the Financial Complexity

Transitioning from an employee to a practice owner is one of the biggest steps in a medical career — and one of the most financially complex. Standard business loans rarely account for the goodwill, patient lists, and income patterns unique to medical practices.

  • Finance for goodwill, equipment, fit-out, and working capital
  • Tailored assessments for mixed billing and bulk billing practices
  • Specialist lenders with deep experience in medical business acquisitions
  • Guidance on optimal ownership and loan structure from day one
Discuss Practice Finance
Construct or Renovate Medical Practice

Build the Clinic Your Patients Deserve

Whether you're constructing a purpose-built medical facility from the ground up or refitting an existing space to meet clinical standards, the right finance structure makes all the difference. We arrange construction and renovation loans tailored to healthcare environments.

  • Progressive drawdown construction loans aligned to build milestones
  • Finance for medical fitouts, equipment installations, and compliance upgrades
  • Commercial and mixed-use property development for healthcare sites
  • Competitive rates with flexible repayment during the construction period
Explore Construction Finance
Construct or Renovate Medical Practice

Premium Property Finance — Designed for Doctors

As a medical professional, you qualify for lending advantages unavailable to most Australians. From your family home to a growing investment portfolio, we structure property loans that maximise borrowing capacity while protecting your long-term financial position.

  • LMI waivers up to 90–95% LVR for eligible medical professionals
  • Residential home loans with preferential rates for doctors
  • Investment property loans and portfolio lending strategies
  • Commercial property finance for clinics and medical precincts
Talk to a Property Specialist
Construct or Renovate Medical Practice

Build Retirement Wealth Through Your Superannuation

Self-Managed Super Funds offer Australia's high-income professionals a powerful vehicle to invest in property within a tax-advantaged structure. As a medical professional with a strong income, SMSF property lending can be a transformative wealth strategy — when done correctly.

  • SMSF loans for residential and commercial property investments
  • Ability to purchase your own medical practice premises through your SMSF
  • Competitive limited recourse borrowing arrangement (LRBA) structures
  • Full coordination with your accountant and SMSF trustee
Explore SMSF Lending Options
Construct or Renovate Medical Practice

Equip Your Practice Without Straining Cash Flow

Modern medical equipment is expensive — and essential. Whether you're upgrading diagnostic technology, investing in surgical instruments, or fitting out a new treatment room, we structure equipment finance that preserves your working capital and keeps your practice growing.

  • Finance for diagnostic imaging, surgical equipment & dental technology
  • Chattel mortgage, finance lease & operating lease options available
  • Fast approvals — often within 24–48 hours for established practices
  • Tax-effective structures aligned with your practice accounting setup
  • Bundle equipment and fitout finance into a single facility
Enquire About Equipment Finance

The Right Equipment. The Right Finance. Right Now.

From a single ultrasound machine to a complete surgical suite — we arrange equipment finance that matches your clinical needs with the most competitive funding available across Australia's specialist medical lenders.


🔬 Diagnostic & Imaging Equipment

Ultrasound, MRI, X-ray, CT scanners, endoscopy systems — high-value diagnostic equipment financed with minimal upfront outlay.


🦷 Dental Technology & Chair Systems

Dental chairs, CBCT scanners, CAD/CAM milling units, intraoral cameras — we understand dental equipment cycles and structure accordingly.


⚕ Surgical & Theatre Equipment

Surgical tables, anaesthesia machines, laparoscopic systems, sterile processing equipment — financed for private surgical practices.


💻 Practice Management Technology

Medical software, patient management systems, telehealth infrastructure — bundle technology with equipment for a single streamlined facility.

🏥 Allied Health & Physio Equipment

Physiotherapy tables, hydrotherapy pools, laser therapy systems, rehabilitation equipment — for allied health practices of all sizes.


💊 Pharmacy & Dispensing Systems

Automated dispensing systems, compounding equipment, cold chain storage — specialised finance for pharmacy and dispensing practices.




Why Finance Equipment Rather Than Buy Outright?

Preserving your working capital is one of the smartest financial decisions a practice owner can make. Equipment finance lets you access the tools you need today while keeping your cash free for growth, staffing, and unexpected expenses.

  • Preserves cash flow for day-to-day operations
  • Potential tax deductions on repayments & depreciation
  • Upgrade equipment at end of term — stay technologically current
  • Fixed repayments make budgeting predictable
  • Fast, simple approval process — minimal paperwork
  • No security required for many equipment finance products

Why ProBiz Finance Is Different

Two things set us apart from every other broker in Australia — the personal relationship we build with every client, and the support we provide long after your loan settles.

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Your Dedicated Finance Specialist

One expert. One point of contact. Always.

When you work with ProBiz Finance, you're not handed off to a call centre or junior processor. You get a named, dedicated medical finance specialist who knows your file, your goals, and your career — and stays with you from first call to final settlement.

  • ✓ Single Point of Contact

    One specialist who knows you — no repeating yourself to different people.

  • ✓ Medical Sector Expertise

    Your specialist understands income structures, billing models, and lender preferences for healthcare professionals.

  • ✓ Proactive Communication

    Regular updates, clear timelines, and honest advice — without you ever having to chase us.

  • ✓ Available Around Your Schedule

    We work around your clinical hours — early mornings, evenings, or weekends if needed.



🚀 Comprehensive Post-Settlement Services

Our relationship begins — not ends — at settlement.

Settlement is just the beginning. We remain your active finance partner — reviewing your position, identifying opportunities, and helping you leverage your growing equity into the next stage of your practice and personal wealth.

  • ✓ Business Expansion Finance

    When you're ready to open a second location, hire additional practitioners, or expand your services — we structure the funding.

  • ✓ Working Capital Solutions

    Access to business overdrafts, lines of credit, and cash flow facilities to keep your practice running smoothly through busy and quiet periods.

  • ✓ Annual Loan Reviews

    We proactively review your loans each year — ensuring your rates remain competitive and your structure still fits your goals.

  • ✓ Portfolio Growth Strategy

    As your equity grows, we help you leverage it — into investment property, additional equipment, or your next practice acquisition.

Why Medical Professionals Trust ProBiz Finance

We've built our reputation in the medical finance space through consistent results, genuine expertise, and a deep respect for the trust our clients place in us.

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Specialist Medical Finance Expertise

Dedicated to healthcare professionals — not a generalist broker offering everything to everyone.

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Australian Credit Licence Holder

Fully licensed and compliant, acting in your best interests at all times.

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Transparent, Fee-Free Advice

Your initial strategy consultation is complimentary and obligation-free.

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Long-Term Client Relationships

We grow with you — from your first home loan to your fifth investment property.

ProBiz Finance Medical Professionals
1

Free Strategy Consultation

Tell us your goals — practice, property, SMSF. We'll map the optimal path forward.

2

Tailored Solution Design

We identify the right lenders, rates, and structures — built around your situation, not a template.

3

Application & Approval

We handle your entire application, liaising with lenders on your behalf for fast, clean outcomes.

4

Settlement & Ongoing Support

We're with you through settlement and remain your trusted finance partner well beyond.

Ready to Build Something Exceptional?

Whether you're buying a practice, building a clinic, or planning your next property — take 20 minutes to speak with a ProBiz medical finance specialist. No jargon, no obligation, just clarity.

Your information is confidential and will never be shared. By submitting you agree to be contacted by ProBiz Finance.

— or call us directly —
0415 929 728

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