Why choose a practice overdraft?

We compare and customise finance options from a network of lenders who recognise doctor’s unique needs - so you never miss out on the right loan.

• Flexible limits - depending on whether your loan is secured or unsecured

• Interest only repayments on funds used

• Instant access to funds - no applying for new loans

• Take money out (draw up) as you need it

• Pay down the overdraft as funds are available

• Do all your transactions instantly online

A Kooyong Group personal advisor can take you through all the benefits and limitations of practice overdrafts. If you like what you hear, they can quickly arrange the loan that best fit your needs.

Why choose a practice overdraft?

We understand doctor’s business

You’ll save time, avoid frustration and secure the right overdraft with help from a lending specialist who works exclusively with doctors.

Talk to one of our experienced and knowledgeable personal advisors.

They will quickly understand your needs and plans, provide finance options and valuable insight – then arrange everything to get the funds to you fast.

We understand doctor’s business

Arrange a practice overdraft in 4 simple steps

  • 1

    Talk to an advisor

    Discuss your unique situation and get the right loan for you.

  • 2


    Take advantage of our loan process that streamlines doctor’s applications.

  • 3

    Sign documents

    Sign the paperwork and your application will be assessed.

  • 4

    Gain approval

    If your loan is approved, in most cases you’ll have funds available within days.

Fords, South Australia

Gain a client’s perspective

Discover what it’s like to have a dedicated Kooyong Group advisor on your side.

Gain a client’s perspective
Dianne understands financial situations that are outside of the norm. She is incredibly intelligent and on point when you talk to her about what your needs might be.
Trish Mason

Long term Kooyong Group client

Ready to know more? Get in touch to find out how we can help you achieve your practice goals

Send us an enquiry

Talk to an advisor today

1300 99 22 08
Before I first started working with Kooyong Group, I was doing a lot of my own research into products and services, but the information they provided me, was more comprehensive than anything I was able to source myself.
Dr Ronald Gill

Psychiatrist, Melbourne CL Psychiatry

Frequently Asked Questions

For a secured overdraft (or line of credit) you need to use an asset as security. With an unsecured overdraft, you don’t need security against the loan. Usually, secured overdrafts come with lower interest rates.

You only get charged interest if the end-of-day account balance is negative. You can go in and out of negative balance during the day. As long as your end-of-day account balance is positive, you won’t pay anything.

Yes, you can.

Yes, it is a revolving facility that can be redrawn multiple times, as required.

Business or practice overdraft interest rates depend on whether the loan is secured or unsecured. Both are far cheaper than credit card funding which is usually 15-25%.
Your Kooyong Group advisor can walk you through the details, including interest rates on the most suitable products.

We challenge convention.
We surprise our clients.
We are never ordinary.

Talk to an advisor today

1300 99 22 08

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