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Smart Finance for Medical Professionals
Equipment Financing
Overdraft & Working Capital Solutions
Overdraft & Working Capital Solutions
When you demonstrate your commitment to excellence through high-end healthcare technology, patients will respond. Upgrade your clinic equipment with financing designed for specialists — enabling you to invest in advanced technology, enhance care, and strengthen your professional positioning.
Overdraft & Working Capital Solutions
Overdraft & Working Capital Solutions
Overdraft & Working Capital Solutions
Cashflow hiccups happen. When expenses mount or timing mismatches occur, our overdraft and working-capital programs give you breathing space. Let us take care of the funding side so you stay focussed on patient care, not paperwork.
Commercial Property Finance
Overdraft & Working Capital Solutions
Commercial Property Finance
Whether you’re opening a new clinic, expanding your existing premises or positioning your practice for growth, we can simplify the commercial property lending process for you. Focus on delivering patient care — we’ll streamline finance, documentation and approvals so you can progress with confidence.
Fit-out Finance
Practice Ownership & Goodwill Funding
Commercial Property Finance
You’ve secured the space — now let’s make it exceptional. Our fit-out financing covers everything from plumbing and walls to final finishes and specialist installations, helping you create a quality, credentialed healthcare facility that reflects your brand.
Practice Ownership & Goodwill Funding
Practice Ownership & Goodwill Funding
Practice Ownership & Goodwill Funding
Ready to take that next step in your career by acquiring or investing in a medical practice? We’ll help you secure funding of up to 100%, tailored to your goals and career trajectory. We take the time to understand your income structure, progression path and future ambitions to develop a strategy that works now and evolves with you.
How We Help Newly Graduated Doctors & Dentists With Their Home Loans
New medical graduates often have strong earning potential but limited savings or work history. The good news? Many lenders offer special programs designed specifically for you.
How we help:
- Pre-approvals based on future income
We can use your employment contract or hospital placement letter to secure pre-approval before your first full payslip.
- Up to 95% LVR with no LMI
Eligible medical professionals can borrow up to 95% without Lenders Mortgage Insurance, saving thousands upfront.
- Intern and registrar income accepted
We work with lenders who understand the medical career pathway and factor your training income into borrowing capacity.
- Flexible loan structures
We tailor your loan to support your fast-growing income and future plans such as specialisation or practice ownership.
Whether you're starting your first hospital role or progressing through residency, we’ll guide you from start to finish and match you with a lender who understands your profession.
What Financial Information Will I Need to Apply for a Home Loan?
To apply for a home loan, lenders will usually ask for:
- Two recent payslips, or if self-employed, your latest tax returns and financials
- Employment evidence or AHPRA registration
- Bank statements for savings, everyday accounts and any loans or credit cards
- Proof of deposit or equity
Medical professionals may also qualify for reduced documentation and higher income recognition through specialist lenders.
We’ll let you know exactly what’s needed and guide you through each step.
What if I’m self-employed or own a medical practice?
If you operate through a company, trust, or your own ABN, lenders will usually require:
- One year of personal and business tax returns
- Business financial statements (profit & loss, balance sheet)
- BAS statements or interim financials if your latest returns aren’t lodged
Some lenders also offer low-doc or alt-doc options specifically for medical professionals with strong cash flow but limited documentation.
We’ll assess your structure, income flow and business setup, then match you with the lenders who best understand your profession and support your current career stage.
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