Medical Finance – Boutique Mortgage & Finance

Finance shaped around the way healthcare professionals work

As a healthcare professional, your career, income, schedule, and business goals often look different from the average borrower. Whether you are buying a home, purchasing a practice, upgrading equipment, funding a fit-out, or expanding your business, the right finance structure can make a meaningful difference.

At Boutique Finance, we help doctors, dentists, specialists, and healthcare practitioners understand their lending options with clarity. We take into account your profession, earning potential, practice goals, and lender opportunities, then help shape finance around the life and business you are building.

So while you focus on caring for patients, we help take care of the finance behind your next move.

Flexible funding options for medical professionals

Medical professionals may be able to access higher lending support depending on their profession, business value, practice type, and overall financial position.

At Boutique Finance, we help healthcare professionals explore funding options that may support practice purchase, start-up costs, fit-outs, equipment, working capital, premises, and future expansion.

Up to 100% finance for practice purchase and start-up

Eligible medical professionals may be able to access up to 100% finance when buying an existing practice, depending on the value of the business and lender assessment.

For new practice set-ups, eligible medical professionals may also be able to access up to 100% funding for start-up costs, including fit-out, equipment, working capital, and other practice establishment expenses.

Please note 100% unsecured funding is available for GPs and Dentists, and funding LVR reduces in cases of Allied Health Practitioners.

Up to 100% funding for fit-out, refurbishment and equipment

Eligible medical practitioners may be able to access up to 100% funding for practice fit-outs, refurbishments, medical equipment, dental equipment, technology, and other essential practice requirements.

Up to 100% funding for practice premises

Eligible medical professionals may be able to access up to 100% funding for the purchase of practice premises, including commercial property or residential property used for practice-related purposes, subject to lender assessment.

Up to 100% finance for practice expansion and multi-site growth

For established healthcare professionals looking to expand, up to 100% finance may be available to support practice growth, additional locations, new consulting rooms, equipment upgrades, or multi-site expansion.

All lending is subject to eligibility, lender assessment, profession type, business strength, security position, and credit approval.

Medical Finance Services

Your patients rely on you. Your finance rely on us.

Practice Purchase & Start-Up Finance

Funding support for buying an existing practice, starting a new clinic, or purchasing shares in a medical, dental, or veterinary practice.

Fit-Out, Refurbishment & Equipment Finance

Finance for clinic fit-outs, refurbishments, medical equipment, dental equipment, technology, and other practice essentials.

Commercial Property Loans for Medical Professionals

Lending support for purchasing or refinancing the premises where your medical, dental, or healthcare practice operates.

Practice Expansion & Multi-Site Growth

Finance solutions for expanding your practice, opening additional locations, adding rooms, or scaling into a multi-site healthcare business.

Working Capital & Unsecured Lending

Support for cash flow, goodwill lending, unsecured lending, and day-to-day practice funding needs.

Medical Lending Reviews & Personal Finance

Support for refinancing, debt restructuring, personal lending, ongoing loan management, and periodic reviews for medical professionals.

From first practice to future growth.

As your career evolves, your finance needs evolve with it. Whether you're buying your first home, setting up a clinic, purchasing equipment, acquiring a practice, or expanding into your next location, the right lending structure can help you move with confidence.

Boutique Finance supports healthcare professionals through each stage of their journey — helping shape finance around where you are now, and where you want to go next.

Starting Out

Lending guidance for medical professionals building their future — from buying a home to preparing for future practice ownership.

Setting Up

Finance support for practice purchases, fit-outs, equipment, and working capital, helping you create the right foundation from the beginning.

Growing

Responsive commercial lending support from enquiry to settlement — helping you move on opportunities without unnecessary delays.

Reviewing

Refinancing support to help your personal, business, or practice loans stay aligned as your goals, circumstances, and opportunities change.

Know who's guiding your Medical Finance

Medical finance is easier to navigate when you know who is guiding the process. Meet the Boutique Finance specialists, Ashish, who understand the lending needs of healthcare professionals — from personal lending and practice finance to equipment, property, and growth.

With over 20 years of lending experience with major banks in Australia, including more than 15 years specialising in Medical Finance, Ashish works with doctors, dentists, specialists, and healthcare professionals to structure finance across both personal and commercial needs.

His expertise includes practice purchase loans, equipment finance, fit-out funding, commercial property loans, medico home loans, and refinancing solutions. By understanding the way healthcare professionals earn, operate, and grow, Ashish helps clients approach finance with clarity, confidence, and a structure that supports their next stage.

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Four clear steps to finance that supports your medical career

Medical finance should feel structured, considered, and built around the way you work. Our process helps you move from your first conversation to the right lending solution with clarity, guidance, and confidence.

Understand your profession and goals

We start by learning about your career, practice plans, income structure, and financial goals so your lending is shaped around your real needs.

Explore suitable lending options

We review suitable lenders, loan structures, and medico lending opportunities, then explain your options clearly so you can make an informed decision.

Manage the application

Once the right direction is agreed, we prepare your application, liaise with lenders, and keep the process moving from approval to settlement.

Support your next stage

After settlement, we stay available to review your lending as your career, practice, property goals, and circumstances continue to evolve.

FAQs

Frequently Asked Questions

Can doctors and medical practitioners get approved if they have recently become self-employed?

In some cases, yes. Doctors, specialists, dentists, and other medical practitioners who have recently moved from PAYG employment to a self-employed structure may still be able to access lending without needing two full years of financials.

Depending on the lender and the strength of the application, approvals may be considered using recent invoices, bank credit statements, BAS, short-period income, annualised income, or projected future income.

At Boutique Finance, we understand how medical professionals earn and grow, especially when moving into private practice or specialist work. This allows us to present your income position more clearly to suitable lenders and explore lending options based on your current and future earning capacity.

Do medical professionals get better lending terms?

Eligible medical professionals may be able to access more flexible lending terms than standard borrowers. Some lenders may waive Lenders Mortgage Insurance up to 95% for residential property lending and may offer higher lending appetite for practice property, practice premises, and business-related finance.

The options available will depend on your profession, income, loan purpose, lender policy, and overall financial position. At Boutique Finance, we help identify which lenders and structures may be suitable for your situation.

Can I finance a medical or dental practice purchase without additional security?

In some cases, eligible medical and dental professionals may be able to access up to 100% finance for a practice purchase or acquisition without needing to provide additional property security.

This may be possible where the value of the business as an ongoing concern can support the lending application. Approval will depend on the business value, profession type, financial strength, lender criteria, and credit assessment.

View More FAQs

Customers Testimonial

Our Customers Love and Trust Us

They made our first home loan feel effortless. Clear advice, zero jargon, and a rate we did not think we could get.

Jordan & Casey First Home Buyers

As a GP, my income structure is unusual. Boutique knew exactly which lenders to approach — settled weeks ahead of expectations.

Dr. Priya N. Medical Finance

Refinanced our commercial property with a structure that freed up real cash flow. Genuine, ongoing partners.

Marcus T. Commercial Client

Responsive, honest and genuinely on our side. We have already referred three friends.

The Alvarez Family Refinance

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Schedule an online appointment and let's have a chat about what you need and how we can help.

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You Care For PatientsWe Care For Your Finance.