If you are ready to buy the premises for your doctor's surgery, we are ready to help

Raise the most appropriate funding for your needs

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Funding options


Goodwill Loans

  • Release wealth from your existing practice
  • Cost-effective and tax efficient
  • Flexible arrangements
  • Use for any purpose

Commercial Mortgages

  • From 2% above base rate
  • Up to 25 years terms
  • Interest only or capital repayment
  • Buy premises or existing business

Business Loans

  • Unsecured lending from 6%
  • Terms up to 5 years
  • Secured lending from 2% above base rate
  • Terms up to 20 years

Talk to Rangewell – the business finance experts

Buying premises can be a sound investment for your practice - but it will mean a large investment. At Rangewell, we can use our contacts across the entire UK lending industry to provide the scale of funding you need.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

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Whether you are GP or a consultant, buying your premises could be a sound investment

Rangewell's experts can help find the funding solutions to help

Whether you are a GP or a consultant, you must have a surgery that meets both yours and your patients' needs. Location and space will all be essential. So will a high level of finance, which Rangewell can help you achieve.

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Buying your surgery gives you a more stable financial future, provided you can raise the capital required. At Rangewell, we can help you find the most competitive rates for your purchase plans, and in some cases can even secure 100% funding. 

Using a Commercial Mortgage to buy your surgery

Commercial Mortgages can be used to help you buy a surgery or even an existing practice.

They work much like a residential mortgage, with one important difference. Commercial Property Finance is arranged on an individual basis, with rates and terms that reflect your particular circumstances. As a medical doctor with an established practice, you may be eligible for particularly attractive rates.

Finding the most appropriate and affordable funding can be a headache

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Using a Goodwill Loan

There is a way to use the potential value built up in your practice, while leaving the funds in your business bank account untouched. A Goodwill Loan, also known as a Capital Withdrawal Loan or Cash Out, can let you access the value without withdrawing funds from it.

It lets you use the goodwill built up in your practice as the security for a loan. It can bring you a sum comparable to your annual turnover, with repayment terms of up to 15 years. Interest rates will be agreed when the loan is taken out and, although they will be variable, are likely to remain more favourable than with other types of lending.

Using a Secured Loan

Secured business loan can provide a high level of funding, with rates that can be as low as 2% above base rate, and ten or more years to repay. They are supported by security, such as your business assets or your home to reduces the risk to lenders and allow them to reduce the cost to you.

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‘Jigsaw’ Finance

A single funding solution may not fit your property finance plans. We can provide Jigsaw Funding - a package of made up various types of business finance for each purpose. So you might have Jigsaw Funding to acquire premises made up of a Goodwill Loan to provide a deposit and a Commercial Mortgage for the long term, with an Unsecured Loan to deal with the short-term costs of moving your practice.

Finance designed for you

As a medical professional with your own practice, your special status may make it possible to get 100% finance for your plans. Many lenders will be happy to work with you - but not all will be able to offer the most competitive solutions for your needs.

Every type of funding for your surgery

Contact our expert team today

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At Rangewell, we will help you find the lenders that are open to financing medical practices


  • Help arrange a 100% for a GP setting up a surgery in a remote village

  • Find a lender to provide a Commercial Mortgage to acquire premises

  • Help arrange a Goodwill Loan to buy and equip a new surgery

  • Find the most effective funding for a small partnership wanting to buy a health centre

Last update: 7 June 2023

Need finance in a hurry?

Contact our team today to find out your options

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