Commercial Mortgages for Healthcare Premises
Healthcare businesses — dental practices, GP surgeries, pharmacies, veterinary practices, and private clinics — often operate from specialist premises with strong underlying property values. A commercial mortgage lets you buy your premises, build equity, and benefit from any increase in property value rather than paying rent with nothing to show for it.
Healthcare property is attractive to lenders because the tenants (or owner-occupiers) provide essential services with stable demand. Vacancy rates are low and the covenant strength of healthcare businesses is generally strong.
Key Benefits
- Build equity in your practice premises over time
- Stable healthcare demand supports strong property values
- Tax-deductible interest reduces your Corporation Tax bill
- Pension fund purchase (SSAS/SIPP) options for tax-efficient acquisition
Frequently Asked Questions
Can I buy my practice through a SIPP or SSAS?
Yes. Purchasing commercial property through a Self-Invested Personal Pension (SIPP) or Small Self-Administered Scheme (SSAS) is a popular tax-efficient strategy for healthcare professionals. The practice pays rent to the pension scheme, and the property grows within a tax-free wrapper.
What about NHS GMS/PMS contracts?
GP surgeries with NHS contracts benefit from secure, long-term income streams. This stability is very attractive to lenders and can support higher LTVs and better rates than non-NHS commercial property.
Is a deposit always required?
Typically 25-40% for standard commercial mortgages. SIPP/SSAS purchases may have different requirements. Some lenders offer higher LTVs for healthcare professionals with strong income.
Can I include fit-out costs in the mortgage?
Some lenders will include fit-out and refurbishment costs within the mortgage facility, particularly where the works increase the property's value. This avoids needing separate finance for the fit-out.
Related Funding Options
Commercial Mortgages UK
Long-term finance for buying or refinancing commercial property. Offices, shops, warehouses, and mixed-use premises for UK businesses.
Commercial Mortgages for Care Homes
Finance care home acquisitions, expansions, and refinancing. Specialist commercial mortgages for UK care home operators.
Unsecured Business Loans for Healthcare
Funding for UK dental practices, clinics, pharmacies, and private healthcare businesses. Equipment, expansion, and working capital.
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Learn About Our Broker NetworkCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.