JS Medical And Dental Finance

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Bowen Hills, QLD
JS Medical And Dental Finance

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The Team at JS Medical and Dental FInance has 20 years of experience in providing finance to the Medical, Dental, Allied Health and Vet industries.

Assisting customer with exceptional service, the right advice and products to see them into the future. ACL 384704
Credit Rep Number 547836

01/11/2026

Practice Listing of the Week 🩺 – Medical Practice & Property for Sale in Central West NSW

👉 Click this link to view the full listing: https://jsmdf.com.au/listings/central-west-region-nsw-practice-property-sale/

Looking to secure an established medical practice together with the property it operates from?

This long-established family practice in Central West NSW presents a rare opportunity for a working GP, GP couple or medical group looking to acquire both the business and premises in one transaction. The clinic is located around 350 km west of Sydney in a DPA-classified, MM4 area and sits opposite a major shopping precinct with ample free parking.

The approximately 300m² premises include a large waiting room, six consulting rooms, a treatment room, reception, pathology room, amenities and additional space. The clinic has also recently achieved AGPAL accreditation through to November 2029.

The practice currently operates with 3 GPs, equivalent to around 2.5 FTE, with two additional GPs expected to join within the next six months. It is supported by three receptionists and two registered nurses and has treated approximately 20,000 to 21,500 patients per year across the past three financial years.

✔ Long-established family medical practice with strong local reputation
✔ Practice and property offered for sale
✔ DPA classification and MM4 location
✔ Six consulting rooms plus treatment and pathology rooms
✔ AGPAL accredited until November 2029
✔ Around 20,000–21,500 patients per year
✔ Annual income historically ranging from $1.2M to $2.0M depending on GP numbers
✔ FY2026 pre-tax profit reported at $592,000
✔ Potential to extend trading hours and grow to 5–6 FTE GPs

With room to expand GP capacity, introduce allied health or specialist services and extend opening hours beyond the current Monday-to-Friday schedule, this practice offers several pathways for future growth.

If you are considering practice ownership with the added benefit of owning the premises, this Central West opportunity deserves your attention.

29/10/2026

🏡 Is it time to give your home or business loans a financial health check?

In our October Finance Wrap-Up, Jason and Ian discuss what we're seeing across the medical and dental finance market, from changing borrowing conditions to growing interest in practice expansion.

👉 Want to know if your current finance structure is still working for you?

Arrange an obligation-free loan review with JS Medical & Dental Finance at:
https://jsmdf.com.au/book-online/

Or have a chat with our team on 📞 1300 829 134

Following a successful Australian Dental Expo in Brisbane, we've been speaking with healthcare professionals looking to purchase practices, invest in equipment and expand their services.

With interest rates and borrowing capacity remaining important considerations, now could be a good opportunity to review your lending arrangements.

In this month's video, we also discuss fixed-rate options, improving cash flow and how loan calculators can help you understand the potential impact of rate changes or debt consolidation.

To see what we mean, here is a debt consolidation calculator you can use: https://jsmdf.com.au/debt-consolidation-calculator.html

Don't leave your financial planning until the last minute. A review now could help you prepare for opportunities in the new year.

29/10/2026

Thinking about growing your medical practice but not sure which finance option fits the plan?

Start here: https://jsmdf.com.au/finance-for-medical-practice/

For tailored guidance, call JS Medical & Dental Finance on 📞 1300 829 134 or book a time to speak with us here: https://jsmdf.com.au/book-online/

Finance for medical practice growth can support a range of needs, from purchasing new equipment and completing a fit-out to improving working capital, expanding premises or acquiring another clinic.

The right funding option should be matched to the purpose of the loan. Equipment finance, commercial property finance, goodwill funding, fit-out finance and working capital facilities can all work differently, so it is worth reviewing the structure before you commit.

At JS Medical & Dental Finance, we help doctors and healthcare professionals compare lending options, understand how different facilities may work and choose a structure that supports both current cash flow and future growth.

26/10/2026

Self-employed and planning to apply for finance? Your paperwork can make a big difference.

To chat with the JS Medical & Dental Finance team, book an obligation-free appointment here: 👉 https://jsmdf.com.au/book-online/

Prefer to speak with someone directly? Call 📞 1300 829 134

When healthcare professionals move into self-employed income, lenders may assess their applications differently.

Some banks may want to see two years of self-employed income before assessing a home loan application. Other specialist financiers may consider one year, or even six months in some cases, but the income may be shaded, which can affect borrowing capacity.

That is why staying organised early matters.

Keeping your BAS, financials and tax returns up to date can help create a clearer picture for lenders. Even if your tax return does not need to be lodged straight away, having it prepared early may assist with the assessment process.

In this video, we discuss why documentation is so important when you are newly self-employed and looking to keep your finance options open.

25/10/2026

Practice Listing of the Week 🩺 – 4-Chair Dental Practice for Sale on the Gold Coast, QLD

Click this link to view the full listing: 👉 https://jsmdf.com.au/listings/4-chair-bupa-and-medibank-preferred-provider-gold-coast/

Looking to acquire a high-grossing dental practice in one of Queensland’s most sought-after coastal locations?

This modern 4-chair Gold Coast clinic is positioned on the ground floor of a contemporary residential development, combining strong street exposure and significant foot traffic with a premium coastal lifestyle. The practice generates turnover in the $1.5M–$2M range and is currently approaching $2 million in annual revenue.

The clinic is also an established Bupa and Medibank Preferred Provider, supporting a loyal patient base and consistent recall activity. Its modern fit-out includes OPG, CBCT, Lat Ceph, a 3D printer and a Trios scanner, providing a strong clinical platform for an incoming owner.

✔ Modern 4-chair dental practice
✔ Turnover approaching $2 million
✔ Bupa and Medibank Preferred Provider
✔ OPG, CBCT, Lat Ceph, 3D printer and Trios scanner
✔ High-exposure street frontage and glass-fronted reception
✔ Steps from the beachfront
✔ Managed by employed dentists and dental assistants
✔ Standard business hours with no evening or weekend work

For a dentist, dental group or investor looking for a turnkey practice with established systems, strong revenue and a premium Gold Coast location, this listing deserves serious consideration.

22/10/2026

Changing from PAYG income to self-employed or business income? It may be worth reviewing your lending position before the change happens.

Book an obligation-free discussion with JS Medical & Dental Finance here:
👉 https://jsmdf.com.au/book-online/

OR call us on 📞 1300 829 134

For many healthcare professionals, income structures can change as their career progresses. You may start as a PAYG employee, then later move into a company, trust or other business structure as your professional pathway evolves.

That change can have an impact on future home loan applications.

Once you move away from PAYG income, lenders may no longer assess you using payslips in the same way. If you have less than 12 months of self-employed income, the application can become more complex, even if your earnings are strong.

In this video, we discuss why planning early matters and how the right finance guidance can help you prepare before changing income structures.

If you are thinking about moving from PAYG to self-employed, or restructuring how your income is paid, speak with us before you make the switch.

21/10/2026

Planning to buy, expand or upgrade a veterinary practice? Click the link to learn how veterinary business loans can support your next move:
https://jsmdf.com.au/veterinary-business-loans/

You can also speak with JS Medical & Dental Finance to discuss your lending options. Call us on 📞 1300 829 134 or book an appointment here:
https://jsmdf.com.au/book-online/

Veterinary business finance can be used for a range of practice needs, including buying an established clinic, purchasing commercial premises, funding fit-outs, upgrading diagnostic or surgical equipment, financing vehicles, refinancing existing debt or supporting working capital during growth.

The right loan structure should reflect what you are funding, how the practice generates revenue and how repayments will affect cash flow after settlement.

At JS Medical & Dental Finance, we help veterinary professionals compare lending options and structure finance around their business goals, practice position and future plans.

19/10/2026

Offset or redraw? The better option can depend on how you manage your money day to day.

Book an obligation-free discussion with JS Medical & Dental Finance here:
👉 https://jsmdf.com.au/book-online/

You can also call us on 📞 1300 829 134 to discuss your unique situation

Many borrowers ask for redraw because it sounds like the feature they need. But after looking more closely at how they use their money, an offset account may sometimes be the better fit.

In this clip, we discuss the difference between offset and redraw, and why the right structure often comes down to behaviour.

If you are likely to spend what is sitting in your everyday account, making extra repayments into the loan and accessing those funds through redraw may help keep that money out of sight.

If you are disciplined with your cash flow, an offset account may provide flexibility while still helping reduce the interest calculated on your loan.

The key is not just choosing a loan feature because it sounds useful. It is understanding which structure suits your habits, goals and future plans.

18/10/2026

Practice Listing of the Week 🩺 – Two-Surgery Dental Practice in Inner Brisbane, QLD

👉 Click this link to view the full listing: https://jsmdf.com.au/listings/two-surgery-practice-in-vibrant-inner-brisbane-suburb/

Looking to secure a well-positioned dental practice in a vibrant inner Brisbane location?

This two-surgery practice is set within a converted residential building and presents a strong opportunity for owner-operators, expanding groups or investors looking for a practice with built-in upside. The practice can also be expanded by converting a plumbed room into a third surgery, creating further growth potential for the incoming owner.

The business has limited key-person dependence, with the vendor working only part time and the majority of clinical work already handled by a team of employee dentists. That structure may appeal to buyers looking for a more established operational setup from day one.

Adding even more value, the premises include a separate 3-bedroom unit that can be rented out to help reduce overheads and improve overall returns.

✔ Two-surgery dental practice in inner Brisbane
✔ Potential to convert a plumbed room into a third surgery
✔ Limited key-person dependence
✔ Vendor currently works part time
✔ Majority of work performed by employee dentists
✔ Separate 3-bedroom unit offering rental income potential

Opportunities like this are rare, especially when they combine practice potential with an additional residential income stream.

If you are considering practice ownership or expanding your portfolio, this listing deserves your attention.

15/10/2026

Before changing your loan repayments to weekly or fortnightly, it may be worth checking how your lender calculates them.

Book an obligation-free discussion with JS Medical & Dental Finance here:
👉 https://jsmdf.com.au/book-online/

OR call us on 📞 1300 829 134

Weekly or fortnightly repayments are often promoted as a smarter way to pay down a loan, but the structure does not always suit every borrower.

For many medical and dental professionals, especially those whose income or business cash flow does not arrive weekly or fortnightly, monthly repayments may be more practical.

In this clip, we explain why some lenders may calculate fortnightly repayments by simply halving the monthly repayment. That can effectively result in 26 fortnightly repayments across the year, which may increase the assessed servicing commitment.

The key is understanding how your loan repayments are structured before making changes.

At JS Medical & Dental Finance, we help healthcare professionals review the details that are not always obvious at first glance, so their loan structure better suits their cash flow and future plans. Contact us today to find out if you should change your loan repayments or stay with what you currently have.

Address

8/17 Bowen Bridge Road
Bowen Hills, QLD
4006

Telephone

+611300829134

Website

http://www.jsmdf.com.au/

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