Finance for plastic surgeons

Plastic surgery usually runs on two tracks: hospital-based reconstructive work, and cosmetic practice run from your own rooms with surgery done sessionally at private and day hospitals. Many surgeons do both, and early career often includes hospital work alongside building the private side. Add the entities most surgeons operate through from day one and you have an income that looks complex on paper. Presented poorly, that complexity shrinks your borrowing power. Presented properly, to the right lender, it reads as what it is: one of the strongest specialist incomes in medicine. Knowing which lender reads it that way at your career stage is the detail a specialist carries.

Plastic surgery is unusual among the specialties. The typical setup is a small suite of premium consulting rooms, often 2 to 4 rooms, with a high-end fitout and a short equipment list: high-end cameras, occasionally a laser, and not much else, because the surgery itself happens at private and day hospitals. Reputation in this profession is personal, so there is little practice goodwill to borrow against. That does not hold you back. Fitout finance covers the premium build your patients expect, and owner-occupied premises lending at up to 100% of the purchase price or valuation means buying your rooms can replace rent with an asset you own.

Unlike general practice or dentistry, there is no traditional practice sale waiting at the end of a plastic surgery career. Your name is the practice, and it does not change hands. That simply means the wealth strategy lives in your income, your property and your investments, and we plan your lending around that reality: home and investment lending at the top end, premises held in the right structure, and borrowing sequenced so each loan strengthens the next. We arrange the lending; your accountant and financial adviser own the advice.

Premises. Owner-occupied consulting rooms at up to 100% of the purchase price or valuation.
Fitout. Premium rooms finished to the standard your patients expect, financed against the build.
Equipment. A lighter list than most specialties: cameras, occasionally a laser, structured simply.
Home and investment. Up to 95% LVR with no LMI on home lending for eligible medical professionals, and investment lending planned alongside it.
Eligibility, rates and terms depend on your circumstances and lender criteria. Not financial advice.

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. A short call 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 completion, and stay your specialist for the loans that come after.