Commercial property
Own your medical suites, bring certainty to your practice and your patients – Avant Finance can help.
Borrow up to 100% of a property’s value*
Owning your consulting rooms gives you the benefit of a proven property asset, the flexibility to design your suites to your own specifications, plus opportunities to generate passive income, all while providing certainty of tenure for your practice and your patients.
An Avant Finance commercial property loan is tailor-made for medical professionals, allowing them to borrow up to 100% of a property's purchase price, without the need for additional security*.
It makes a commercial property loan a flexible financial tool to strengthen your practice and your investment portfolio.
How does a commercial property loan work?
A commercial property loan works in much the same way as a residential loan.
A key point of difference for medical professionals taking out an Avant Finance commercial property loan, is that you could potentially borrow up to 100% of the property's value*.
The loan is repaid over a term of up to 30 years, and in some cases, there can be very little difference between loan versus lease repayments.
What is different, is that unlike leasing, Avant's commercial property loan allows doctors to build equity in the practice premises, to steadily grow personal wealth over time.
Along the way, the interest payments on a commercial property loan may also be tax deductible (always check this with your tax professional), making owning your practice premises tax-effective and cashflow-friendly.
The term to suit you
The flexibility to select the loan term that suits your practice needs and cashflow. Maximum loan term is 30 years.
Competitive rates
Choose an Avant Finance competitively-priced loan, or let us source a great rate through our lender partners.
Flexible payment options
Choose from principal plus interest or interest-only repayments (up to 5 years). The option to pay interest in advance may be available with interest-only payments.
Certainty and security
A commercial property loan lets you own your rooms, providing certainty and security for you, your team and your patients.
Why partner with Avant?
Avant Finance’s client base consists of medical, dental and veterinary professionals. So, we understand your needs and the importance of delivering a timely service and providing bespoke finance solutions tailored to you and your practice.
Additionally, not only do we broker commercial property loans, but we also offer our own Avant Finance commercial property loans, allowing doctors to obtain the best solution from a single provider.
These benefits of efficiency, flexibility and tailored solutions help you focus on your patients, while we support your practice grow.
*All applications for credit are subject to eligibility and credit approval criteria. Approval of any loan is subject to standard credit assessment and is at the lender’s complete discretion. Terms, conditions, fees and charges apply. Contact Avant Finance for further details.
Your borrowing capacity depends on a variety of factors. Our Avant Finance team of commercial property loan specialists can explain exactly how much you can borrow to buy your medical premises.
Choose from principal plus interest or interest-only repayments (up to 5-years) with an Avant Finance commercial property loan.
Doctors may be able to sublet part of the premises to another medical professional.
An orthopaedic surgeon, for instance, may choose to lease consulting rooms to a physiotherapist thereby providing a more holistic service to patients while earning a passive income stream.
Doctors may be able to invest in their medical premises through their SMSF (you will need to seek professional advice to confirm any legal compliance). This can add diversification to the SMSF’s portfolio, and there could be tax benefits if the tax rates that apply to superannuation income are lower than the doctor’s personal tax rate.
Different lending criteria may apply if you prefer to own medical premises through a SMSF.
