Christian Reilly is a Practice Finance Consultant at Lily Head Finance.  They specialise in getting primary healthcare businesses the best rates with the best terms.  It could be for practice acquisition, commercial property purchase, extensions or refinancing of existing debt. In this episode we talk to Christian about how he works with clients to find out what they can afford to buy.  Deposit requirements from lenders.  Typical loan to value ratios.  What lenders are looking for in a proposal and also in the people putting forward the proposal.  And finally, why it is unlikely a private approach to any one lender is going to result in you getting the best deal with the best terms.  Even when you have worked with that lender before.