Specialist Finance for Medical Professionals & Healthcare Businesses

Your financial position is rarely standard. Your lending strategy shouldn’t be either.

Oakwood Finance provides specialist finance solutions for doctors, medical specialists, surgeons, dentists, psychologists, healthcare professionals, medical practices and healthcare facility operators across Australia.

From a doctor’s first home through to practice acquisition, commercial property, medical equipment and major healthcare facilities, we understand the different lending considerations that can apply throughout a medical professional’s career.

We assist healthcare clients across Adelaide, Brisbane, the Gold Coast, Perth and throughout Australia.

Certain medical professionals may be eligible for lending policies that are not generally available to the broader market.

Depending on profession, lender policy and individual circumstances, these can include:

• Higher loan-to-value ratios
• Reduced or waived Lenders Mortgage Insurance
• Specialist servicing treatment
• Professional package benefits
• Greater flexibility around certain income structures
• Access to specialised professional and private banking teams

Eligibility varies between lenders and professions, which is why lender selection and loan structure can be just as important as the interest rate.

Oakwood Finance assesses available options across our lending panel to determine which lenders are best aligned with the client’s profession, financial position and objectives.

A medical professional’s borrowing requirements can change significantly throughout their career.

Early on, the priority may be purchasing a home while managing study debt or establishing income.

Later, the focus may shift towards:

• Investment property
• Practice ownership
• Commercial premises
• Equipment
• Business acquisition
• Partnership buy-ins
• Wealth creation
• SMSF structures
• Healthcare property
• Practice expansion

Rather than treating each transaction independently, we consider how today’s lending decisions may affect tomorrow’s opportunities.

Healthcare businesses can involve significantly more complexity than a traditional small business.

There may be multiple companies, trusts, property entities, operating entities and equipment facilities involved in a single financial structure.

Oakwood Finance can assist with:

• Practice acquisitions
• Practice establishment
• Commercial premises
• Fit-outs
• Medical equipment
• Working capital
• Overdraft facilities
• Existing debt consolidation
• Commercial refinancing
• Partnership changes
• Expansion into additional locations
• Complex group lending structures

Our role is to understand how each component fits together and then determine how the overall funding requirement can be presented to the appropriate lenders.

Large healthcare projects often require several forms of funding to work together.

A transaction may involve:

• Commercial property
• Healthcare operations
• Specialised medical equipment
• Construction or refurbishment
• Working capital
• Existing debt
• Multiple entities and trusts
• Future expansion requirements

Oakwood Finance has experience structuring significant healthcare facilities involving complex group structures and substantial aggregate lending exposure.

Our existing healthcare funding experience includes facilities extending into tens of millions of dollars, including commercial property, hospital operations, specialised equipment and working capital.

For projects of this scale, we work collaboratively with the client’s accountants, legal advisers, consultants, valuers and banking teams to help coordinate the finance process.

Whether you are purchasing a home, acquiring a medical practice, expanding an existing healthcare business or considering a significant new facility, the right lending structure starts with understanding the complete picture.

Speak with Oakwood Finance for a confidential discussion about your medical or healthcare finance requirements.