Income protection for doctors planning

Specialist Advice on Financing & Loans for Doctors & Dentists

If you’re seeking a loan for your medical practice, or you’re a doctor or dentist looking for a home loan, our specialist medical accounting and finance team can help you find and structure a loan to suit your financial goals.

Our team of medical accountants and finance specialists have many  years of experience assisting doctors, dentists, and medical professionals and will work with you to ensure your loan is set up to benefit you long term.

Smith Coffey provides financial planning for medical professionals with expert guidance that enables you to manage your debt effectively and efficiently, whilst ensuring your options for future investments are always open.

Our industry-leading finance experts have experience in establishing tailored tax structures, with an embedded philosophy of ensuring all loans are set up correctly from the very beginning, ensuring the most optimal outcome for you.

Industry-Leading Financing Advice for Doctors​

Our intricate understanding of the complexities around financing and loans for medical professionals comes from the extensive qualifications and detailed experience of our industry-leading consultants.

We have been providing specialist medical accounting for doctorsdentists and practice owners since 1972, with a detailed understanding of their specific tax and financial requirements.

We offer comprehensive financial services for doctors and dentist including:

  • Loans and financing
  • Tax planning and returns
  • Wealth creation and investing
  • Accounting for private practices
  • Insurance
  • Retirement planning and superannuation

book an initial consultation, on us!

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Home Loans for Doctors & Dentists

Are you a dentist or doctor looking for a home loan? Speak to our specialist lending team that can walk you through what you need to know and help you find and structure a loan with the maximum financial benefit.

Thanks to our unique relationship with one of Australia’s major banks, we can access loan terms you won’t find anywhere else.

  • Medical and dental professionals can borrow up to 95% of the value of a property, and professionals in general occupations up to 85%without lender’s mortgage insurance (1.5% of the property value, this is a significant saving). This could mean the difference between buying what you want now and having to wait another year
  • Discounted interest rates
  • The option of fixed, variable and combination loans
  • Access to a dedicated loan specialist
  • Exclusive access to a representative from the bank. Located in our office for your convenience, they can help you with your loan and your everyday banking needs.
  • Assist with the Application and Approval process

The annual package also includes:

  • The benefit of no establishment or monthly maintenance fees
  • Access to transaction accounts and points worthy credit cards
  • Obligation-free pre-approvals
  • The option of 100% offset

Any credit application is subject to the bank’s normal lending criteria.

Want to know more about our loans for medical professionals?

Private Practice Loans & Financing

Achieve your medical practice dreams by working with Perth’s most experienced and recognised medical accounting firm. We understand the complexities of private practice financing and can structure your loan to optimise your financial position to secure and grow your wealth.

Our team of trusted medical finance experts can discuss how you can lend against a wide range of securities to help you purchase your practice. Additionally, we can assist with a wide range of additional purchases, such as medical equipment, cars, business assets, practice fit-outs, and much more.

Need more information on our medical practice loans and financial support?
book an initial consultation, on us!


Whether you need a new medical practice fit-out, office equipment, or a company car, we can help you arrange your lease. We’ll make sure it’s tax-effective. Plus, we’ll carefully structure your financing to meet your short term goals and your life long medical career ambitions. Here are just a few of the options available to you:

  • Finance lease: The financier buys the equipment and leases it to you in return for agreed regular lease payments.
  • Commercial hire and asset purchase: This enables commercial users to purchase goods through repayment with guaranteed ownership.
  • Operating lease/rental: This is a simple rental agreement where you can avoid the risks associated with ownership residual value liability.
  • Novated lease: This is an agreement between an employee, the employer, and the financier, where the obligations to meet the repayments under the finance lease is with the employer.
  • Chattel mortgage: Like a loan facility, you own the asset, but the financier takes security over the asset until the contract is paid in full.

book an initial consultation, on us!

Medical Student in Lecture

Want to know more about loans for doctors?

If you want to know more about how we can assist you download our Finance fact sheet, then contact us below to book your initial consultation at no cost to you.


The Changing World Of Financial Services Can Be Overwhelming...

We will provide a bespoke financial plan to help you achieve your goals.

Smith Coffey specialising in the needs of medical & dental professionals 360 degrees of finance.