Medical & Healthcare Property Loans Australia

Many lenders offer up to 65% to 70% LVR on medical property, with some specialist healthcare lenders extending to 80% LVR for eligible registered practitioners with strong practice income. Standard commercial lending criteria apply for investment medical properties, while owner-occupiers with demonstrated practice revenue may access more favourable terms depending on lender policy.

Not always, but practitioner registration can improve your lending options. Some specialist healthcare lenders assess doctors, dentists and allied health professionals differently from standard commercial borrowers, particularly for owner-occupied premises. Investors purchasing medical property for lease to tenants are typically assessed on the standard commercial lending criteria of the property and lease income.

Most medical property purchases require a deposit of around 20% to 35%, depending on the lender, property type, location and borrower profile. Registered practitioners purchasing their own premises may access higher LVRs and lower deposit requirements through specialist healthcare lending channels, subject to income verification and lender assessment.

Yes, medical properties can be purchased as investment assets leased to practitioners or healthcare businesses. Lenders assess investment medical property using standard commercial criteria including tenant quality, lease terms, rental income, location and market liquidity. Strong tenants on longer leases generally support better lending terms.

Yes, an SMSF may be able to buy eligible commercial medical property through a compliant limited recourse borrowing arrangement. If you are a practitioner, your SMSF could potentially purchase your practice premises and lease them back to your business at market rates, subject to SMSF compliance rules. You should obtain qualified financial, legal and tax advice before proceeding.

Yes, a number of Australian lenders and non-bank financiers have specialist healthcare lending programs or dedicated medical professional lending teams. These programs often apply different criteria to registered practitioners, including potentially higher LVRs, reduced deposit requirements and more flexible income assessment for established practices.

Typical documents include the contract of sale, practice financials or lease agreements, borrower tax returns, BAS statements, bank statements, entity documents and evidence of practitioner registration where required. The specific documentation depends on whether the purchase is owner-occupied or investment, the lender chosen, and the borrowing entity structure.

Mixed-use buildings containing medical and other uses, such as retail or residential, require assessment of both components separately. Lenders evaluate the predominant use, zoning, permitted uses, tenancy mix and the ease of separating the asset if required. Some lenders may apply lower LVRs to mixed-use medical assets than to purely medical-use buildings.