Finance for ENT specialists

An ENT file usually has three income streams moving at once: consulting fees from the rooms, procedural fees from sessional lists at private and day hospitals, and often a public appointment. Each stream behaves differently on paper, and a generalist bank tends to anchor on the weakest one. A lender who knows the profession, briefed properly by a specialist broker, assesses the combined picture, including where the procedural side is heading as your lists grow. That difference in reading is often the difference in what you can do next.

The rooms and everything in them: consulting fitout, examination equipment, microscopes and endoscopy towers, a stack that adds up quickly across a fully equipped suite. The premises themselves, at up to 100% of purchase price or valuation when owner-occupied. The home, at up to 95% LVR with no LMI under medico policy. And because there is typically little goodwill in specialist practice, referrals follow the doctor, buy-ins and practice purchases are structured around equity, premises and equipment, which MedX Finance arranges regularly.

Often, yes, for the better. Audiology is a natural adjacency for ENT practices, and building it in means capital: sound-treated booths and diagnostic audiology equipment that add real cost to a fitout, plus the staff and working capital to run the service. Done well it deepens the practice and diversifies its income. The lending is structured so the audiology investment sits in the entity that earns from it, alongside the rest of the practice stack rather than tangled through it.

Consulting rooms. Fitout, examination chairs, microscopes and endoscopy, financed against the assets in the entity that runs the practice.
Audiology. Booths, audiometry and diagnostic equipment as the practice extends into hearing services.
Premises. Up to 100% of purchase price or valuation on owner-occupied practice premises.
Buy-ins and equity. Little goodwill in specialist practice, so buy-ins are priced around equity, premises and equipment.
Home. Up to 95% LVR with no LMI under medico lending policy.
Illustrative categories only, not financial advice. Eligibility, structures and terms depend on your circumstances and lender criteria.

Plenty of our clients talk to us long before a loan exists: weighing a practice purchase, planning a fitout, or working out what their career unlocks. That early thinking costs nothing and is some of the most valuable work we do. And when you are ready to move, it runs like this:
1. Today: talk to a specialist. 15 minutes on your situation and goals. No credit check, no cost.
2. Within 48 hours: your lending strategy. Which lenders fit your stage and structure, what you can borrow, what it costs.
3. Application to approval. We package, submit and chase. Timing depends on the lender and the deal, and you will always know where things stand.
4. Approval to settlement. We coordinate through to the finish, and stay your broker for the loans that come after.