Doctors & GP Practices · London

GP Surgery Loans London

GP practice numbers for London, who holds the NHS contract, and how lenders look at a partnership buy-in or surgery purchase here. We arrange finance; we do not lend.

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Key facts: London

Active GP practice organisations, eight London postcode areas (E, EC, N, NW, SE, SW, W and WC)
688
Date of count
18 October 2026
Contract held with
Five London integrated care boards
Average NHS payment per registered patient, England 2024/25
£178.88

Count from the NHS Organisation Data Service, 18 October 2026; payment figure from NHS England.

GP practices in the eight London postcode areas (E, EC, N, NW, SE, SW, W and WC)

The NHS Organisation Data Service lists 688 organisations with an active GP practice role in the eight London postcode areas (E, EC, N, NW, SE, SW, W and WC) on 18 October 2026, against 262 in the B postcode area, 243 in the G postcode area and 172 in the M postcode area. Postcode areas run wider than city boundaries, so these counts include surrounding towns.

Practices hold their NHS contracts with the five London integrated care boards. That contract, the partnership agreement and the surgery premises are what a lender reads first.

NHS income and how lenders read it

NHS England's payments data puts the 2024/25 average at £178.88 per registered patient. Lenders treat that income as stable but still read the accounts, the partnership agreement and any rent reimbursement under the GMS Premises Costs Directions before deciding what a partner can borrow.

What London GP partners usually fund

New partners often buy into partnership capital and, where partners own the building, a share of the surgery. A partner buy-in loan is repaid from the profit share; see becoming a GP partner and the partner buy-in loan calculator. Surgery purchases and extensions use premises finance.

Premises and security

In England, a surgery bought outright attracts Stamp Duty Land Tax on the non-residential scale, and the lender's security is a legal charge at HM Land Registry. Where the premises are leased, the remaining term and any break clause limit how long a loan can run.

Lenders for London GP practices

We hold no lender lists by town, and lenders for GP practices lend nationally rather than city by city. For a London case we search the whole market. Fees depend on the lender, with nothing upfront.

Common questions

How many GP practices are there in London?

The NHS Organisation Data Service lists 688 active GP practice organisations in the eight London postcode areas (E, EC, N, NW, SE, SW, W and WC) (18 October 2026), an area wider than the city.

Who holds the NHS contract for a London GP practice?

The five London integrated care boards.

Can you arrange a GP buy-in loan in London?

Yes. We are a whole-of-market broker, not a lender: we look at the partnership agreement, your share and the premises, then search the market. Fees depend on the lender; nothing upfront.

This guide is for general information only and should not be treated as legal, tax, accounting or financial advice. Funding availability and lender requirements depend on individual circumstances.

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