Buying a clinic or consulting property
The lender may examine location, access, room layout, planning, accounts, income sources, practitioner experience, required works and how the premises support the service.
Buying a clinic, dental practice or veterinary surgery, relocating an established practice or refinancing professional premises? Count Ready reviews the property or lease, practice income, borrower experience, deposit or equity, equipment, goodwill and timescale before explaining which lender routes may be realistic.
Potentially, yes. The strongest enquiries explain what is being bought, whether the premises suit the proposed services, how the practice earns money, what the borrower can contribute and whether repayments remain affordable after staffing, equipment, laboratory, medicine and other operating costs.
Describe the transaction precisely. A medical consulting property, a dental-practice acquisition and a purpose-built veterinary hospital can have very different valuation, fit-out and operational considerations.
The lender may examine location, access, room layout, planning, accounts, income sources, practitioner experience, required works and how the premises support the service.
Separate property value from goodwill, dental chairs, imaging, laboratory equipment and stock. NHS, private and plan income should be presented clearly.
Consulting rooms, kennels, theatre, imaging, pharmacy storage, parking, noise, waste, out-of-hours use and equipment costs can influence the property case.
Lease length, rent, reviews, use, assignment, repairing obligations, alteration rights, reinstatement and lender protections need to support the proposed investment.
The tenant, lease, rent, covenant strength, repairing obligations, building condition, specialisation and alternative demand may shape the lender’s assessment.
Available equity, current debt, practice accounts, works, equipment, disruption, purpose of funds and post-completion cash flow should be reviewed before refinancing.
Commercial lending is assessed case by case. The lender needs a coherent property and practice story rather than a list of qualifications or a turnover figure on its own.
Planning, title, access, parking, layout, services, ventilation, condition, adaptations, noise, waste arrangements and expansion potential may all matter.
Accounts, current income, NHS and private mix, fees, patient or client base, staffing, laboratory or medicine costs and existing debt help explain affordability.
The price should distinguish land and buildings from goodwill, fixtures, specialist equipment, stock and other assets that may not provide the same security.
Professional registration, clinical history, practice management, leadership, staffing and a credible plan are particularly important for first-time owners.
Relevant provider or professional registration, inspection, planning, landlord consent, lease assignment and required premises changes should be identified early.
Deposit or equity, valuation, goodwill, equipment, loan term, repayment basis, working capital, works and a sensible downside allowance must fit together.
Requirements depend on the profession, services, legal entity, premises and UK nation. In England, providers carrying on CQC-regulated activities need the appropriate registration. Dental professionals follow GDC standards, while veterinary practices can use the RCVS Practice Standards Scheme.
Official guidance for organisations and individuals planning regulated health activities in England.
Review the professional standards applying to registered dental professionals.
See the accreditation levels and premises-related modules for different veterinary services.
Check the English use-class and change-of-use framework before relying on an existing use.
Professional-premises finance can involve valuation fees, specialist fit-out, confidential business evidence and fixed completion dates. It is sensible to see how an adviser communicates before you proceed.
The link opens current Google results for Count Ready so you can find the live profile and read the feedback in context.
You do not need every document for the first conversation. Sharing what is available, while identifying real gaps, helps make lender feedback more useful.
The aim is to understand the property, practice and finance need, identify gaps early and prepare a coherent lender presentation.
We establish the tenure, property, practice type, price or value, goodwill, equipment, proposed works, loan required, deposit and deadline.
We sense-check accounts, income, property security, professional experience, existing debt, personal contribution and working-capital needs.
Where the case looks workable, we explain which borrower, practice and premises documents are likely to strengthen the enquiry.
Where relevant, we can discuss buildings insurance, business protection, key person cover and related insurance needs alongside the mortgage.
Share the address, tenure, price or value, loan required, deposit or equity, practice type, available accounts or income evidence, professional experience, equipment or goodwill and timescale. We will review the case and explain which lender routes may be worth considering.
These pages cover owner-occupied property, pharmacy acquisitions, preparation and commercial mortgage pricing.
Understand borrowing for premises used by your own practice or business.
For pharmacy premises, business acquisitions, goodwill and stock.
Prepare the borrower, practice and property evidence lenders may request.
Understand the factors that influence pricing and total borrowing cost.
Clear answers to the practical questions clinicians, dentists, veterinary professionals and practice buyers commonly ask before approaching a lender.
Potentially, yes. Lenders may consider premises used by medical, dental and veterinary practices where the property or lease, practice income, borrower experience, deposit, credit profile and repayment plan meet their criteria. The finance structure depends on whether the transaction includes only property or also equipment, stock and goodwill.
There is no universal percentage. The contribution depends on property value, tenure, condition, specialisation, practice performance, borrower experience, credit profile, loan purpose and the amount of the price allocated to goodwill, equipment or other non-property assets.
Some transactions may include funding towards goodwill, fixtures or specialist equipment, but these elements are not treated in the same way as property security. A clear purchase-price allocation, specialist valuation and equipment schedule help identify whether one facility or a combination of mortgage and asset finance is appropriate.
It may be possible. Relevant professional registration, clinical and management experience, a realistic business plan, evidence of income, sufficient personal contribution, staffing arrangements and credible projections can help a lender understand the move from employed or associate work to ownership.
Potentially, if the remaining lease term, rent, reviews, permitted use, assignment rights, repairing obligations and lender protections are acceptable. The lease must also allow the proposed services, alterations, equipment, signage, access and any out-of-hours operation.
Lenders may examine the history, source and concentration of income rather than using turnover alone. NHS contracts or performer income, private fees, membership plans, insurance payments, laboratory or medicine costs, staffing and recurring patient or client demand may all inform affordability.
No. A mortgage offer does not grant clinical registration, professional approval, planning permission, building-control approval or landlord consent. The relevant requirements depend on the profession, activity, premises and UK nation and should be confirmed separately before completion.
Yes. Existing and proposed use, planning conditions, parking, access, signage, noise, hours and physical works may affect the property and valuation. In England, some medical and health uses fall within Class E, but the exact facts, local restrictions and required works still need professional confirmation.
Possibly. A lender will usually consider current value, equity, accounts, projected benefit, proposed works, equipment costs, planning or landlord consent, operational disruption and the resulting repayment position. Asset or short-term finance may be more suitable for some costs.
Start with the address, tenure, purchase price or value, loan required, deposit or equity, current and proposed use, latest accounts or income evidence, professional and management experience, equipment or goodwill included and the target date. Mention any lease, planning, registration, condition or fit-out issue early.
Last reviewed: 23 July 2026. This page provides general information, not a mortgage offer or a guarantee that a lender will accept a case.
Some commercial mortgages and business buy-to-let cases are not regulated by the Financial Conduct Authority. If an enquiry appears to involve regulated mortgage activity, this will be explained before proceeding.
