Yes. Medical centres, GP practices, specialist consulting suites and allied health properties are classified as commercial property for SMSF purposes. SMSF borrowing for medical property acquisitions is fully available and is not affected by the 2026 residential borrowing ban.

Why Medical Property Is a Premium SMSF Commercial Strategy

Medical and healthcare property has long been considered one of the most resilient commercial property asset classes. For SMSF investors pivoting from residential following the borrowing ban, medical property offers compelling characteristics:

• SMSF LRBAs fully available for medical property purchases
• Highly defensive income — healthcare demand is non-discretionary
• Long lease terms — GP and specialist tenants typically sign 5-15 year leases
• Strong tenant covenants — established medical practices and health networks
• Net or semi-net leases common — tenants pay many outgoings
• Government and private health funding provides income security
• Ageing population demographics support long-term demand

Types of Medical Property Suitable for SMSF Investment

• GP medical centres (single or multi-practice)
• Specialist consulting suites (specialist medical, dental, physio)
• Allied health centres (psychology, physiotherapy, occupational therapy)
• Radiology and imaging centres
• Dental practices and dental group properties
• Day hospitals and surgical centres

The Business Premises Strategy for Medical Professionals

Medical professionals — GPs, specialists, dentists, allied health practitioners — can purchase their own practice premises through their SMSF and lease it back to their practice at market rent. This is one of the most powerful wealth-building strategies available to self-employed medical professionals and is completely unaffected by the residential borrowing ban.

Frequently Asked Questions

Is a medical centre affected by the SMSF residential borrowing ban?

No. Medical centres are classified as commercial property. SMSF LRBAs for medical property remain fully available.

Can I buy my medical practice premises through my SMSF?

Yes. This is one of the most effective SMSF commercial strategies for medical professionals and is not affected by the residential borrowing ban.

Access Off-Market SMSF Medical Property Opportunities

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