Owning your consulting rooms builds an asset alongside your practice, gives you control over your space, and often makes long-term financial sense. Medical professionals can access strong LVRs on commercial property — sometimes without full financials. We assess what's possible before you start the process.
Your practice builds goodwill. Your rooms build capital value. Owning both gives you two appreciating assets instead of one — and a much stronger long-term financial position.
No lease renewals. No landlord decisions affecting your practice. No rent increases that don't align with your income. Ownership gives you certainty.
Medical professionals can access LVRs on commercial property that general borrowers can't. In some cases — particularly for established specialists — this can be done without full financials, subject to valuation.
Buying your rooms and your practice interest at the same time is possible — and sometimes more efficient than doing them separately. We look at the combined structure.
Commercial valuations drive what lenders will do. Before you make an offer on rooms, we can give you a clear picture of the LVR likely available, whether financials will be required, and which lenders will suit your situation.
For established medical specialists buying the rooms they already occupy, there is specific lender policy that can allow purchase at strong LVRs — sometimes without reviewing full financials — subject to the commercial valuation. This is not available through every lender and requires knowing exactly where to go. We do.
Medical Finance Australia is the specialist medical lending division of Model Mortgages, led by Phil Riches (20+ years, former Westpac senior lender) and Virginia Graham Riches (founder, ACL holder, banking and treasury background). We've structured commercial room purchases for medical professionals across every specialty. We know which lenders have the right policies and what it takes to get approval.
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