Exclusive Loan Solutions for Medical Professionals
Borrow up to 100% With No LMI
Australia’s Medical Professional Lending Specialists
No LMI Up to 100%
Save $50,000+ on home loans
Medical Practice Purchase Finance
100% finance for goodwill & equipment
Higher Borrowing Capacity
Full earning potential assessed
Fast Specialist Approvals
Pre-approvals within 48 hours
All Medical Professionals
General medical practitioners & medical service specialists
Annual Fees Covered
We pay fees on loans $500K+
Specialist Lending Available for
General practice medical services
Specialist medical services
Dental services
Veterinary services
Physiotherapy services
All we need is proof of your APHRA registration - We handle the rest.
Save $50,000+ on your home, practice, or equipment loan.
What You Can Finance
Home Loans for Healthcare Professionals
Medical professionals can borrow up to 100% of your home loan value and pay NO LMI.
We help doctors save an average of $50,000 in LMI costs on a 95% LVR home loan with a $1,000,000 purchase price.
Key Benefits
- Offset accounts to reduce interest payments
- Choice between variable or fixed interest rates
- Competitive rates with no annual fees
- Flexible repayments (principal + interest or interest-only)
Medical Practice Loans
We offer financing options for doctors, dentists, physicians, and surgeons.
We ensure flexible loan structures, repayment management, and support for future business goals.
Key Benefits
- Finance your goodwill and equipment separately
- Borrow up to 100% of the practice purchase price
- Partnership buy-ins (secure against your share only)
- Choose principal + interest or interest-only repayments
Commercial Property for Doctors
Customise your practice space or purchase your consulting rooms.
We offer flexible options tailored to medical, dental, and veterinary practices.
Key Benefits
- Construction loans for medical practice fit-outs
- Line of credit for added flexibility
- Borrow up to 100% without additional security
- Interest capitalises during construction
Medical Equipment & Vehicle Finance
We understand the challenges facing the world of healthcare and medicine.
We find you the best and most flexible options for financing equipment/vehicle purchase.
- $0 deposit required - no upfront payment needed
- Loan terms up to 7 years with flexible repayments
- Refinancing is available for recently purchased equipment
- Fast and simple medical vehicle finance
What You Can Finance
95-100% LVR with
no LMI
95-100% LVR with no LMI
Dentists and Dental Specialists
95-100% LVR with no LMI
Registered Nurses and Midwives
90% LVR (minimum $90K income)
Allied Health Professionals
90% LVR (minimum $90K income)
Whether it's your first home, practice purchase, or equipment upgrade, we structure finance that works with your medical career.
Speak with specialist mortgage brokers who understand
healthcare income!
Why VOXFIN is a Choice for Doctor Loans in Melbourne?
- With comprehensive knowledge of doctors' unique income streams and career journeys, we simplify medical industry lending.
- We specialise in medical professional lending across Melbourne, Adelaide, Brisbane, and Sydney.
- We work with 40+ lenders, including those with specific medical professional policies.
- We work with minimal documentation - Just proof of APHRA registration (+ basic ID and income verification) is often enough.
- We work alongside your accountant.
We have solutions for all healthcare professionals and allied health professionals
Are you looking for any of these and one of the loans below? We have the best medical loans in Australia for you.
| 1. Dental Therapist Practice Loans | 2. Psychologist Practice Loans | 3. Occupational Therapy Practice Loans |
| 4. Therapist Practice Loans | 5. Pharmacist Loans | 6. Dental Hygienist Practice Loans |
| 7. Podiatrist Practice Loans | 8. Osteopath Practice Loans | 9. Radiographer Practice Loans |
| 10. Orthotics and Prosthetist practice Loans | 11. Medicine Practitioners Loan | 12. Herbal Medicine Practitioners Loan |
| 13. Optometry Practice Loans | 14. Medical Radiation Practitioners Loan | 15. Chiropractors Practice Loans |
| 16. Biomedical Science Loans | 17. Speech Therapy Practice Loans | 18. Dietetics Practice Loans |
| 19. Dental Therapist Practice Loans | 20. Oral Health Therapist Practice Loans | 21. Holistic Wellbeing Centres Loan |
We have assisted many registered nurses in the country in getting the best home loan for nurses. You can borrow up to 90% and NO LMI!
SMSF Property Loans for Medical Professionals
Medical professionals can use their Self-Managed Super Fund to purchase commercial property, and even lease it back to their own practice, whether it is a clinic, consulting rooms, or medical centre.
How does it work?
This strategy allows you to leverage your superannuation to build wealth while securing your practice location -
- Your SMSF purchases the commercial property (clinic, consulting rooms, medical centre)
- Your medical practice pays rent to your SMSF
- The rent is tax-deductible for the practice and builds your super balance
- We work with SMSF specialists and coordinate with your accountant
Key tax advantages
- Rental income taxed at 15% (super fund rate)
- Tax-free income once in the pension phase
- Build retirement wealth while controlling practice location
- Potential capital gains tax concessions
Why does this work for medical professionals?
This structure is particularly beneficial for doctors, specialists, dentists, and allied health professionals because -
- Secure long-term control over your practice premises
- Convert practice rent into retirement savings
- Protect your practice location from external landlords
- Build substantial wealth in a tax-effective environment
Speak with our specialists to know how an SMSF property loan can help you secure your practice and build retirement wealth. Our specialists understand the unique needs of medical professionals.
Medical Practice Purchase Finance
Successful investment in a medical practice requires careful consideration of financial health, practice valuation, and loan options.
At VOXFIN, we find the most suitable solution through commercial loans, medical asset financing, or practice acquisition loans by evaluating revenue, profitability, and cash flow.
We assess your medical income structure thoroughly.
- PAYG hospital employment
- Private billing
- Locum work
- Fellowship allowances
- Mixed employment/contractor models
Note: Valuers use EBITDA (earnings before interest, taxes, depreciation, amortisation) and practice gross revenue to determine value. Engage an experienced accountant to evaluate the business's worth and prevent overpaying.a
The security structure is as follows
Goodwill and equipment serve as collateral
Secure interest against your partnership share only
No need to use your home as security in most cases
Life and income protection are required to cover loan balances
We have handled hundreds of medical professional loans annually.
Let us show you how much you can borrow and at what rate.
Speak with our medical lending team for expert guidance.
Additional Benefits? With VOXFIN, Yes!
We Cover Annual Loan Fees for Doctors
We pay annual loan fees for doctors on home loans above $500K, saving an average of $11,850 over the loan's lifetime.
Specialist Interest Rates for Doctors
We internally negotiate to get the lowest interest rates designed specifically for medical professionals.
SMSF Property Loans for Doctors
We help medical professionals to use their SMSF to invest in commercial and residential real estate.
Let's find the best medical professional loan and structure,
it to suit your situation.
Need expert guidance from brokers who understand healthcare finances?
From buying your first home to establishing your own practice, we help medical professionals like you build wealth with the right loan structures.
Frequently Asked Questions (FAQs)
Questions and queries related to Medical Professionals Loans
Are you an aspiring or current practice owner interested in leveraging the goodwill of a practice to advance your career? Below are some of our most frequently asked questions about goodwill and practice purchase loans.
Goodwill is the intrinsic value of a practice, excluding its property, equipment, and other physical assets. It encompasses the value of the patient base, reputation, consistently good service, range of services, and future cashflow potential if the transfer of goodwill is managed well. It also includes non-physical assets such as the practice's name/brand, IP information, phone numbers, websites, etc.
Valuers use a combination of EBITDA (earnings before interest, taxes, depreciation, and amortisation) and practice gross revenue to determine the value of a practice. It's crucial for anyone looking to invest in practice to engage an experienced accountant to evaluate the business's worth. This step will prevent you from overpaying for the practice. On the other hand, if the practice is being sold at a low price, it's important to understand its reasons. Working with an accountant who comprehends the functioning of medical, dental, and veterinary practices is essential.
When obtaining a goodwill loan, the goodwill and equipment of the practice are utilised as collateral. If you're entering into a practice partnership, the current partners can continue as usual because we only secure the loan against your portion of the partnership.
If you are buying into a partnership, the current partners will not be affected as we only secure an interest in your share of the partnership.
You do not have to use your home or personal property as collateral for a goodwill loan. We understand the value of your profession and the effort it takes to build goodwill in practice. With our extensive experience in lending to doctors, dentists, and vets, we can use the goodwill and equipment of the existing practice as security instead of requiring your home or personal property.
Considering the intangible nature of goodwill and the significant role of the practitioner(s) in maintaining and enhancing goodwill within the practice, we stipulate that the borrower or primary practitioner(s) must acquire or provide proof of life and income protection cover. This cover should be adequate to settle any loan balances that are secured by goodwill.
In most cases, up to 100% of the purchase price of an existing practice or share in a partnership.
In assessing a goodwill loan, we may consider both the income from the practice being acquired and the current personal billings (if the individual is a contractor or employee) to determine the borrower's ability to repay the loan and their income potential as an owner/manager practitioner.
Our consultants are available to walk you through an example of a practice purchase.
Yes, banks can lend money based on the goodwill you have built in your practice to help you expand further.
VOXFIN's medical specialist mortgage brokers can provide you with a list of the information needed to apply for a goodwill loan. This will include:
- Financial statements of the existing practice or the practice being acquired (2-3 years preferred)
- Personal financials
- Purchase contract
Why choose us?
Expert medical professionals loan brokers at VOXFIN are here to assist you with all types of medical professional financing needs. We simplify the loan process and provide the right information and guidance so you can make sound investment decisions.
We assist Australians throughout the nation. We work with over 40+ lenders in Australia to bring you the best loan option with the lowest interest rate. and the most appropriate home loan structure to grow your property portfolio.
Get a Free Consultation
info@voxfin.com.au
03 70652000|0435 393 623
Specialist medical professionals mortgage brokers at VOXFIN have simplified loans for medical professionals.
We work hard for you with honesty, transparency and genuineness, ensuring a long-lasting professional relationship built on trust.
