Equipment finance, practice loans, commercial premises and home lending — structured for doctors, dentists and specialists by a team that has been doing this since 2004. Most of our clients come through referrals. If someone pointed you here, you're in the right place.
Every lender reads medical income differently. The work is knowing which one recognises how you are actually paid — Medicare and private billings, contractor and fee-split arrangements, or earnings-based assessment for established specialists — and which one will move on your situation this week. Within health, a procedural specialist, a GP, a dentist and an allied-health practitioner are each read against different policy. Matching your situation to the lender that recognises it is most of the job.
After working with doctors, specialists, dentists and practice owners since 2004, we understand how these decisions are actually made — and where the right structure changes the outcome.
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Lenders assess the entity, not just the income. When you buy into a practice or a centre, the lender looks closely at the ownership structure, the operator's experience and the history behind it. Get that picture right and options open up that a standard application never reaches.
Your specialty shapes the policy. Lenders treat roles within health differently. Part of the work is understanding how your specialty and income are likely to be viewed, and matching you to the lender whose policy fits.
Specialist income is read on its own terms. Medicare and private billings, fee-split and contractor arrangements, and earnings-based assessment for established specialists — recognised properly, these can support far more than a standard payslip read. Some lenders will even look at a rooms or building purchase on valuation, in the right circumstances.
Most borrowers start with the wrong bank. The bank that financed your car or gave you a small facility may not hold the right policy for a practice or rooms purchase. Starting there, before checking the policy fit, can quietly limit what is possible.
We structure custom financing solutions aligned with your practice cash flow, FBT salary sacrifice parameters, and asset protection rules.
AHPRA-backed home loans and investment finance up to 90% and 95% LVR with complete LMI waivers. Structured around how medical income is assessed.
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Partnership equity buy-ins, GP medical centre acquisitions, and goodwill financing. We understand how specialist income and EBITDA-based lending are assessed.
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Tax-effective equipment leases and clinical fit-out funding. Understand how structure affects your cash flow and tax before you sign.
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Consulting rooms, medical suites, and clinic freehold purchases at strong LVRs — sometimes without full financials, subject to valuation.
Explore Finance Options →Australian bank credit guidelines vary significantly by medical specialty and AHPRA registration tier. Select your group below to understand your specific leverage options.
Consultants, registrars, and specialists accessing manual bank exceptions and up to 95% LVR with complete LMI waivers based on AHPRA registration.
Learn Lending Pathways →Private contractors, partners, and clinic owners requiring custom assessments for fee-splits, ABN contractor shading, and billing structures.
Learn Lending Pathways →Nurses, physiotherapists, pharmacists, and optometrists leveraging selected high-LVR lender policies and specific bank policy niches.
Learn Lending Pathways →Clinicians buying consulting rooms, goodwill equity, expanding existing facilities, or financing major clinic fit-out projects.
Learn Lending Pathways →The medical desk is led by Phil and backed by the wider Finance on the Coast team.
Leads the medical desk. Two decades structuring finance for doctors, specialists, dentists and practice owners — home, rooms, equipment and practice purchases — across Australia and for expats overseas.
New enquiries — please Start a Medical Finance Check or Talk to the Team.
Free tools built for medical professionals. Run your own scenario, see where you stand, and come to the conversation already a step ahead.
Estimate repayments, borrowing capacity and the real cost of a loan. Quick calculators set up for how medical income and LMI waivers actually work.
Open the Calculators →A short, tailored check of how lenders are likely to view your position — by specialty, income structure and registration tier — with what to tidy up before you apply.
Check Your Readiness →Copy-paste prompts to help you organise your medical income and documents before speaking with a broker. Drop one into your AI assistant, fill in the brackets, and bring the result with you. General information only — not advice.
Turn base salary, private billings and on-call into a clear summary a lender can read.
Plain-English explainer on how lenders typically read non-standard medical income.
Work out what to gather to check a medical-professional LMI waiver.
For buying into a practice or medical centre — goodwill, EBITDA and structure.
A tailored list of what to gather before your broker call.
Walk in prepared with the right questions for your situation.
General information only — not credit assistance, financial or tax advice. Consider whether it is appropriate for your circumstances and seek advice specific to your situation.
Pick your situation and tick off what you've got. It makes the broker conversation faster and your application cleaner. Download your list to keep. General information only — your broker will confirm what's needed.
Typical documents for a salaried doctor, specialist or registrar applying for a home loan.
Typical documents for a doctor or dentist on ABN contractor or fee-split arrangements with a practice.
Typical documents for a clinician buying into, or already owning, a practice or consulting rooms.
Typical documents when financing clinical equipment, fit-out or a vehicle for the practice.
General information only — your broker will confirm exactly what's needed for your situation.
Tell us what you're working on — equipment, practice finance, commercial property or home lending. Give us the basics and we'll review your scenario.
We assess your position — we look at your income structure, your current borrowing position, and what lenders are likely to do before you make any commitments.
You get a clear picture — we tell you what's possible, what's not, and what to do next. You decide where to go from there. No surprises later.
"I thought I could do it myself — I'm in finance, I know this. But Phil had information I simply couldn't access: which bank has discretionary pricing available this week, which lender suits expat income right now, how to structure things so you have options later. That's not something you can replicate. It was a definite turning point."
How lending decisions are actually made — income recognition, policy interpretation and timing — worked through on the record. Hosted by Virginia Graham Riches, former ANZ interest rate dealer and mortgage broker since 2004.
Medical Finance Australia is the medical desk of Finance on the Coast — same brokers, same licence. Happy to just deal with the team?
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