Doctors & GP Practices
GP & Medical Practice Loans
Finance for GP partners
and medical practices.
From partnership buy-ins and surgery premises to equipment, technology and the extra clinical capacity patients now need.
The pressures we see
What makes doctors & gp practices different.
- New partners asked to buy into property and partnership capital.
- Premises that need extending, buying or refinancing.
- Rising list sizes and new services needing rooms, people and systems.
What we can finance
Funding for doctors & gp practices.
- 01 Partner Buy-ins Fund your share of the partnership's capital and premises.
- 02 Premises Buy, extend or refinance the surgery.
- 03 Practice Acquisitions Where practices merge or are acquired.
- 04 Treatment Rooms, Fit-out & Refurbishment Extra clinical rooms and patient areas.
- 05 Medical Equipment & Technology Diagnostic, treatment and clinical IT.
- 06 Expansion Additional services and sites.
We aren't tied to one lender or product. For every need above, we search the market for lenders who understand doctors & gp practices.
We also arrange finance for
Acquisitions & ownership
Joining a partnership?
A GP buy-in often covers a share of partnership capital and a share of the surgery premises. We help new partners understand what they are being asked to fund, and search the market for lenders who know how GP partnerships work.
Success stories
Funding arranged in this profession.
Moving a private medical practice into larger premises.
A private medical practice is moving into larger premises and requires funding for treatment rooms, medical equipment, refurbishment and technology.
Explore finance → £200k Representative funding scenarioPartner buy-in Professional PracticesFinancing a capital contribution to join the partnership.
A senior professional has been invited to acquire an equity stake in an established practice and wants to finance part of the capital contribution rather than using personal cash.
Explore finance → £750k Representative funding scenarioOwner-occupied practice premises PremisesBuying the freehold of the practice premises.
An established professional practice currently renting its premises decides to purchase the freehold. Commercial mortgage funding may allow the practice to acquire the property while retaining capital for the operating business.
Explore finance →GP & Medical Practice Loans
GP practice loans and medical practice finance usually centre on the partnership: buying in, funding surgery premises, and making room for more patients and services. Loans for GP partners are assessed on partnership profits, the NHS contract, list size and the partnership agreement, while premises finance also depends on rent reimbursement and the building's value. We look at the partnership agreement, the premises position and the plans for the practice before we approach lenders. As a whole-of-market broker we search the market for lenders who understand how GP partnerships work, from a new partner's buy-in to premises refinancing, expansion and retirements.
Questions
What doctors & gp practices usually ask.
Can a GP get a loan to buy into a partnership?
Yes. New GP partners are often asked to buy a share of partnership capital and, where the partners own the surgery, a share of the premises. Lenders look at the practice's profits, the partnership agreement and your own earnings. We help you understand what you are being asked to fund and search the market for lenders who know GP partnerships.
How do lenders treat NHS income for a GP practice?
Income under a GMS, PMS or APMS contract is generally seen as stable, which many lenders view positively. They will still look at the contract type, list size, partnership profits and any changes to funding arrangements. For premises, notional or cost rent reimbursement is relevant to how a loan is assessed. We explain what lenders are likely to focus on.
Can a GP practice get a mortgage to buy or extend its surgery?
Often, yes. Commercial mortgages are available to buy, extend or refinance surgery premises, and lenders will look at the rent reimbursement position, the building's value and the partnership's finances. Where partners own the building personally, the structure needs care. We look at the premises arrangements before we approach lenders.
What happens to practice borrowing when a GP partner retires?
When a partner retires, their share of capital and any premises interest usually needs to be bought out, either by the remaining partners or an incoming partner. Existing loans may need to be restructured or refinanced. We look at the partnership agreement and the loans in place, then search the market for a structure that fits the change.
Can a medical practice finance equipment and clinical IT?
Yes. Diagnostic and treatment equipment, clinical IT and fit-out for additional treatment rooms can typically be funded through asset finance, leasing or a business loan. Some items may be partly funded through NHS routes, so it is worth checking that first. We can then search the market for finance on the remainder.
Let's talk
Talk it through
with a specialist.
Before you approach a lender, speak to someone who understands the transaction. Confidential, no-obligation initial discussion.