As a healthcare professional, your career comes with unique financial benefits and at Clear Finance, we help you make the most of them.
Whether you’re a GP, medical specialist, dentist, or registrar, we offer access to medico-specific finance solutions with exclusive benefits from major banks and specialist lenders. From 100% LVR loans to waived Lenders Mortgage Insurance (LMI), our team will help you secure funding that recognises your profession and respects your time.
Who Medico Finance Is For
We help a wide range of medical professionals, including:
General Practitioners (GPs)
Medical Specialists (Cardiologists, Radiologists, Oncologists, etc.)
Dentists and Dental Specialists (Orthodontists, Endodontists, Oral Surgeons)
Allied health professionals (where applicable)
Interns and registrars working in hospitals
Whether you’re just starting out or running an established private practice, our brokers understand the financial structures, career pathways and industry norms that shape your lending eligibility.
Medico Finance Benefits
Medical professionals may qualify for:
Up to 100% LVR for commercial practice property purchases
Up to 90% LVR on home loans and investment properties - often with no LMI*
Up to 95% LVR with no LMI Home and Investment property loans
Access to fitout loans, asset finance, and business lines of credit
Lending via SMSF structures (subject to compliance and advice)
Goodwill loans to acquire existing practices
Tailored finance products designed specifically for the medical industry
*LMI waivers subject to lender approval and eligibility criteria.
Up to 100% LVR for commercial practice property purchases
Up to 90% LVR on home loans and investment properties
Strategic Guidance, Not Just Loan Options
With over 15 years of industry experience, we don’t just source loans, we help you understand the business side of healthcare finance.
We can guide you on:
The right corporate structure for your practice (e.g. service entities, management entities)
When to use Discretionary, Unit or Hybrid Trusts
How to structure your practice acquisition or setup
Using your SMSF to buy commercial property
How to calculate and assess practice goodwill value
Referrals to vetted medical fitout specialists, equipment providers, and financial advisers who understand the healthcare sector
Whether you're launching your first private clinic or acquiring your second practice, we’ll help you structure your finances, and your future, with confidence.
Early Career? No Problem.
If you’re an intern, registrar or recently qualified doctor earning a PAYG income, you may still be eligible for many of the finance options listed above. We’ll assess your situation and guide you through your options from day one.
Tools to Help You Plan
Use our calculators to get a head start on your financial planning:
Then speak with one of our brokers to turn estimates into action.
Frequently Asked Questions
What is medico finance?
Medico finance refers to lending products and benefits designed specifically for medical professionals. These may include higher LVRs, waived LMI, and access to exclusive lending policies.
Why do medical professionals get better loan options?
Because your career is considered high-income and low-risk by lenders. Many banks and specialist lenders offer favourable terms as a result.
Can I buy my practice using my SMSF?
Yes, in some cases you can purchase your clinic premises through your Self-Managed Super Fund. We’ll help coordinate this with your accountant or adviser.
I’m a registrar, can I still apply?
Yes, even early-career medical professionals earning PAYG income may qualify for medico finance products. Speak to our team to check your eligibility.
Have more questions?
Visit our FAQ’s page to find out more or ask one of us directly?
You’ve worked hard to get where you are, now let us help you build a financial strategy that supports your success. Whether you’re buying a home, launching a practice or expanding your investment portfolio, we’ll help you get there.
