Commercial Finance

Commercial Mortgages for Medical Practices

2025-02-01 6 min read

Medical practices (including GP surgeries, dental practices and veterinary clinics) are some of the most attractive commercial mortgage propositions for lenders. With strong, predictable income streams, these businesses can often access competitive rates and higher LTVs.

Why Lenders Like Medical Practices

NHS contracts provide reliable, government-backed income. Lenders view this as low risk, often offering better terms than standard commercial mortgages. Private practices also benefit from strong, recurring patient income.

What You Can Finance

  • • Purchasing practice premises
  • • Refinancing existing practice property
  • • Funding practice expansion or relocation
  • • Buying into a partnership
CM

Chess Mortgages

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Frequently Asked Questions

What LTV can medical practices get?
Up to 80% LTV in many cases, compared to 60–70% for general commercial property. NHS-backed income is viewed very favourably.

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