Bespoke Financial Solutions for Healthcare Professionals in Australia

At Brilliance Finance Group, we understand that the financial landscape for healthcare professionals is unique, demanding solutions that align with both your career trajectory and lifestyle goals.

Whether you’re looking to acquire property, expand a thriving practice, or make strategic investments for the future, our suite of bespoke financial solutions is designed to support your ambitions seamlessly.

With access to an extensive network of Lenders and unparalleled expertise in the Medical Finance sector, we deliver professional guidance needed to elevate each stage of your financial journey.

1. Home and Investment Property Loans

Achieving home ownership or building an investment property portfolio is a key financial milestone, one that should be streamlined and advantageous. At Brilliance Finance Group, we offer Medico loans tailored specifically to healthcare professionals, allowing you to access high Loan-to-Value Ratios (LVRs) and waived Lenders Mortgage Insurance (LMI) requirements, positioning you for optimal financial outcomes.

• Up to 95% LVR with No LMI: Secure your home with up to 95% financing and benefit from LMI waivers, resulting in substantial savings and greater purchasing power.
• Investment Property Loans up to 90% LVR with No LMI: Take advantage of up to 90% LVR for investment properties, with waived LMI fees, allowing you to build wealth and expand your portfolio.
• Customised Repayment Options: Flexible structures, including interest-only and principal-and-interest repayments, are available to suit your financial strategy.
• End-to-End Service: From assessing the market to finalising settlement, we handle each phase to ensure a sophisticated, seamless experience.

Our property loan solutions are designed to support healthcare professionals in building a robust and prosperous property portfolio, tailored to your financial vision.

2. Commercial Property Loans

Owning your practice premises is an asset that enhances your professional stability and provides a foundation for growth. Our commercial property loans deliver flexible, high-LVR financing with loan terms crafted to align with your practice’s cash flow requirements, whether you’re expanding, relocating, or acquiring additional space.

• Up to 100% LVR for Commercial Purchases: Access up to 100% financing with no LMI required, ensuring minimal upfront costs for substantial investments.
• Structured for Professional Ownership: Tailored options for sole or partnership ownership, supporting individual professionals and practices with collaborative arrangements.
• Custom Repayment Terms: Choose between fixed or variable interest rates with terms aligned to fit your practice’s financial projections and growth plans.

Our commercial property loans are specifically structured for healthcare professionals, empowering you to invest in prime real estate and build a secure financial future.

3. Practice Loans

Establishing or growing a medical practice requires financial sophistication and strategic planning. Our practice loans provide up to 100% financing, covering every aspect from leasehold improvements to essential staffing, so you can focus on elevating patient care while we handle the financial support.

Practice Loan Advantages:

• Full Financing for Practice Purchases: Access up to 100% LVR for establishing, expanding, or acquiring a practice, removing financial barriers to professional growth.
• Flexible Repayment Terms: Our practice loans offer interest-only or principal-and-interest options, tailored to match your cash flow and operational needs.
• No Personal Asset Security Required: Our practice loans provide a professional-focused approach that allows you to keep personal assets distinct from practice investments.

Designed exclusively for healthcare professionals, our practice loans provide the flexibility and financial foundation necessary for building a successful practice that aligns with your long-term vision.

4. Goodwill Loans

For professionals acquiring an established practice, a goodwill loan enables you to finance the intangible value of the business, covering elements such as its reputation, patient loyalty, and brand equity. Our goodwill loans ensure a seamless transition of ownership, allowing you to invest in a well-regarded practice with confidence.

Goodwill Loan Highlights:

• Finance for Intangible Assets: Cover the goodwill value associated with purchasing or buying into an established practice, preserving its brand and operational continuity.
• Flexible Repayment Plans: Structured to provide competitive rates and loan terms that align with your financial goals and ensure a smooth ownership transition.

Goodwill loans enable healthcare professionals to acquire practices with a strong legacy, supporting strategic growth and fostering a seamless ownership experience.

5. Equipment and Vehicle Finance

Investing in advanced medical equipment is essential for delivering exceptional patient care. Brilliance Finance Group’s equipment finance solutions allow you to procure state-of-the-art technology, ensuring your practice remains competitive without compromising your cash flow. Additionally, we provide vehicle finance with flexible terms for both personal and professional needs.

Key Features:

• 100% Financing for Medical Equipment: Access full funding for cutting-edge diagnostic, imaging, and surgical tools, with no upfront deposit required.
• Expedited Approval Process: We offer rapid funding approvals, with no financials required in many cases, enabling you to update essential equipment without delay.
• Tailored Vehicle Finance: Secure vehicle loans with competitive terms, customised to suit your specific needs, allowing you to upgrade or invest in reliable transport.

Our equipment and vehicle finance options provide the financial agility needed to maintain a high-calibre practice, ensuring both your patients and your professional standing benefit from the latest advancements.

6. Self-Managed Super Fund (SMSF) Loans

For healthcare professionals looking to build wealth through strategic property investments, SMSF loans provide the ability to leverage superannuation to purchase residential or commercial properties, securing assets that enhance your retirement portfolio.

SMSF Loan Advantages:

• Invest in Residential or Commercial Property: Expand your SMSF with properties that offer strong returns and growth potential, strengthening your superannuation’s future value.
• Structured Compliance: Our SMSF loans are crafted to meet strict regulatory requirements, ensuring both compliance and financial optimisation for long-term growth.

SMSF loans are ideal for medical professionals aiming to create a diversified, secure investment strategy that supports retirement ambitions.

7. Practice Overdrafts

Running a busy practice means managing seasonal cash flow fluctuations and operational expenses. Our practice overdrafts provide flexible, immediate access to capital, allowing you to manage payroll, cover expenses, or invest in resources as needed without the commitment of a standard loan.

Overdraft Benefits:

• Interest-Only on Funds Used: Pay interest only on the portion of the credit limit you utilise, ensuring cost-effective access to funds when you need them.
• Flexible Credit Limits: Tailored credit limits that meet your practice’s unique cash flow requirements, giving you control over daily operations with ease.

Practice overdrafts ensure that your practice has the financial support it needs to operate smoothly, regardless of day-to-day or seasonal fluctuations.

8. Fit-Out Loans

Customising or upgrading your practice’s interior is essential to creating a welcoming, efficient environment for patients and staff. Our fit-out loans offer comprehensive financing for renovations, enabling you to spread the costs over time without compromising on quality or functionality.

Fit-Out Loan Highlights:

Full Financing for Interior Improvements: Finance renovations, layout changes, or technology integrations with structured repayment terms.

• Potential Tax Benefits: Fit-out loans may offer asset depreciation benefits, with options to consolidate business asset financing under a single loan.

Fit-out loans allow you to create an optimised space that enhances patient experience, meets regulatory standards, and reflects the professional calibre of your practice.