The situation
Standard commercial lenders often underprice or overprice medical property because they don't underwrite the sector. Specialist medical lenders assess NHS contract income, private mix, patient list value and premises together.
How we approach it
We work with medical practice specialist lenders directly. Practice buy-ins, expansion capex, premises purchase and refurbishment all covered — and often at LTVs and rates that mainstream lenders can't approach.
What that looks like in practice
- Practice buy-in / partner finance
- Medical premises purchase up to 100% LTV in some cases
- Expansion capex and refurbishment finance
- Goodwill lending against practice value
- Refinance from mainstream commercial to specialist medical
Typical timeline
- Weeks 1-3Practice accounts and premises reviewed.
- Weeks 4-8Specialist medical lender application, valuation.
- Weeks 8-14Legals, completion.
Common questions
Can I really borrow 100% for medical premises?
Some specialist lenders do — for GPs with NHS contracts especially. Not universal but genuinely available for the right profile.
How is goodwill funded?
Cashflow-based term loan against practice earnings, usually amortised over 10-15 years. Specialist medical lenders price this properly.
Dental vs GP — different lenders?
Some overlap, some distinct. NHS-heavy GP is one profile; predominantly private dental is another. We match to the right specialist.
Medical practice finance, done properly
Send practice details — we'll route to sector specialists who actively want this business.