Yes — and medical property is one of the most attractive SMSF commercial investments in 2026. Consulting suites, medical centres and healthcare properties are commercial real property, which means SMSF borrowing through an LRBA remains fully available. For GPs, specialists, dentists and allied health professionals, buying your own consulting rooms through your SMSF is one of the most powerful wealth-building strategies available.
Why Medical Property Works So Well for SMSF Investors
- Essential services — recession-proof demand, low vacancy risk
- Long leases — medical tenants sign 5–10 year leases, often with options
- Strong tenant covenants — GPs, specialists and healthcare groups are reliable tenants
- SMSF borrowing fully available — commercial LRBA unaffected by the residential ban
- Gross yields of 5.5–6.0% across Melbourne and major cities
- If you are a health professional, you can buy your own rooms and pay rent to your SMSF
SMSF Medical Property — Key Numbers by Precinct
| Precinct | Entry Price Range | Est. Gross Yield | Typical Lease |
|---|---|---|---|
| Heidelberg / Austin Hospital precinct | $600K–$1.5M | 5.5–6.0% | 5–10 years |
| Box Hill / Monash Medical precinct | $700K–$2M | 5.5–6.0% | 5–10 years |
| Moonee Ponds / Essendon | $500K–$1.2M | 5.5–6.0% | 5–10 years |
| Regional Victoria (Geelong, Ballarat) | $350K–$900K | 5.5–6.5% | 5–10 years |
Frequently Asked Questions
Can a GP or specialist buy their own consulting rooms through their SMSF?
Yes — this is one of the most powerful SMSF strategies for health professionals. Your SMSF buys the rooms, you pay market rent to your fund, and the rental income accumulates at 15% tax in accumulation or 0% in pension phase.
Is there a minimum SMSF balance to buy medical property?
SMSF-specialist lenders typically require $200,000–$250,000 in fund balance and will lend up to 70% of the medical property value through an LRBA.
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