Your Specialist GP Finance Partner
- Independent Advice
- Exclusive Products Available
- Access to Competitive Rates
Speak to us today about the most suitable options for you.
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Expert advice for partnership buy-ins, premises, and development loans — tailored to your practice
GP Partner & Buy-In Loans
Whether you’re buying into a partnership increasing your share, or refinancing an existing GP partner loan, tailored finance solutions are available to support you.
Up to 20-year term
Up to 100% of the cost considered
Many GP loans can be arranged on an unsecured basis, with security only required for higher funding levels
Funding for GP Premises
Planning to buy or refinance GP premises? There are flexible funding solutions designed specifically for GP practices.
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Up to 100% funding towards purchase or refinance costs
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Secured against freehold
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Up to 25-year term
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Competitive rates tailored to the healthcare sector
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Affordability ideally assessed against Notional Rent; can also consider profits and partner’s share of income
Development Loans for New GP Surgeries
Building a new surgery? There’s strong lender appetite to support GP surgery developments with finance solutions that grow with your project.
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Up to 100% funding through the development build
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Up to 30-year term
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Competitive rates tailored to the sector
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Affordability and maximum debt assessed against Notional Rent approved for the new surgery
Why Work With a GP Finance Specialist
Navigating GP finance can be complex, but working with a specialist ensures:
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Access to the right lenders for your needs
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Guidance on structuring buy-ins, premises, and development loans
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Help with associated finance requirements, including life insurance, residential mortgages, and unsecured loans
Relationships
Strong relationships with lenders make all the difference when it comes to getting your GP finance approved quickly. We know the right solutions, so once you’ve found the practice you want, we can move fast and get things done without unnecessary delays.
Comprehensive Services
As fully FCA regulated brokers, we don’t just handle your commercial finance needs. We can also assist with personal mortgages, insurance, and other financial services all in one place. Many commercial brokers can’t offer this level of support.
Insurance Advice
Loans for GP buy-ins or practice developments often require a life insurance policy as part of the loan security. Because we’re FCA regulated insurance brokers too, we can arrange everything for you — no need to go elsewhere.
Frequently Asked Questions
We support buy-ins, premises loans, and development finance for GP practices. This includes funding to buy into a practice, refinance existing partner loans, or support new GP surgery developments.
Yes, for the right practice and structure, we can arrange up to 100% of the cost, including buy-ins and premises purchases. Security may apply for larger amounts.
Terms vary depending on the type of finance: up to 20 years for partner loans, 25 years for premises loans, and 30 years for development finance.
It will depend on the loan amount, whilst unsecured loans are certainly available, larger amounts may require some element of security. We’ll guide you on the best approach based on your circumstances.
Often, yes. Loans for GP buy-ins or development funding typically require a life insurance policy as part of the security. As FCA regulated insurance brokers, we can arrange this for you directly.
Absolutely. We work with both first-time buyers and experienced partners, tailoring solutions to your needs and helping you navigate the application process.
The easiest way is to book a conversation with one of our GP finance experts. We’ll assess your needs, explain your options, and help you get the right finance in place quickly.
Lender Panel
We specialise in finance for Healthcare professionals. We work with all of the main lenders that can support loans to buy a business in the Healthcare sector, including:
In addition to the mainstream lenders, we also have access to a selection of specialist finance providers that can help where the high-street perhaps can’t. Even providing loans to set up a squat practice and other unsecured loans for various purpose.
Healthcare Specialist Finance Partner
In addition to finance for GPs, we can also assist other healthcare professionals, including:
- Dentists
- Pharmacist
- Care Homes
Why Fifty Nine Financial?
- Access to Whole of Market
- Specialist Finance Broker
- Exceptional Customer Service
- No Upfront Fees