ABOUT US
Highland and York is a specialist finance brokerage which deals exclusively with medical, dental and allied health practitioners.
Highland and York was founded by Noel Wright, an experienced banker with over 20 years’ experience in the sector with specialization in funding for healthcare practitioners.
Being married to a doctor he has a unique understanding of the finance requirements of doctors as they progress from study to public and private practice. This informs every facet of Highland and York, meaning that you will be treated as an individual with unique requirements, not as a number or a business to be sold to.
Highland and York does not seek to market itself as a large corporate concern because this would align it more with the banks and financial institutions, rather Highland and York acts as a consultant reviewing lending requirements and matching these in a considered way to the what is available in the market.
OUR SERVICES
HOME LOANS
Whether you are an intern buying your first home or a seasoned consultant optimising their investment property lending, we can guide you. We use evidence-based methods of comparison which go beyond nominal interest rates.
Like treating a patient, current circumstances and planning for future events has an impact on what is appropriate at that point in time. Our huge experience in the field means we can understand your situation and advise according.
BUSINESS LOANS
Businesses need money to operate, this can vary from working capital, fit out funding or buying goodwill or business premises.
As medical practices move from start-up and growth to maturity different lending products are available supported by different securities at different costs. We work to ensure that security and structure appropriate to your business are established to minimise costs.
CAR LOANS
As you progress through your career you will have a various options to finance the purchase of your car. The range of options from personal loans to salary packaging to commercial lending each have different features and benefits we can assist you select based your current situation.
EQUIPMENT LOANS
Buying equipment to use within your practice is a given, the options for funding are numerous and the pricing not only changes from lender to lender but also across time. Each lender will be more competitive in certain areas at different times, so it is always advisable to deal with a broker who works in within your industry and know what is available in the market.
ADVISORY & CONSULTANCY
Medical businesses are not unchanging monoliths, staff come and go, owners retire and this can mean changes to financing requirements. We have experience in practice group consolidation and sales, partnership separation and corporate acquisitions.
Even if your practice is in a steady state there can be significant benefits to reviewing your lending to ensure that rates are at market levels and the lender is holding only the security needed. It is worth remembering that a medical practice evolves from a “high risk” start up business to a “low risk” business quite quickly so lending structure which are 2 or 3 years old can be outdated, over secured and overpriced so periodic review is in your best interests.
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Some examples of past consultancy projects;
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Release of owner’s homes from securing business lending,
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Removing exiting partners from business lending,
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Internal sale of businesses and goodwill,
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Review and restructure of business lending to “mark to market”
