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.
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.
Explore Finance Options →Partnership equity buy-ins, GP medical centre acquisitions, and goodwill financing. We understand how specialist income and EBITDA-based lending are assessed.
Explore Finance Options →Tax-effective equipment leases and clinical fit-out funding. Understand how structure affects your cash flow and tax before you sign.
Explore Finance Options →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 →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 →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. No obligation to proceed. No surprises later.