BMA guidance

GP sustainability loan scheme

Guidance for practices that are considering formally accepting a GP sustainability loan offer, including what to consider first and repaying the loan.

Location: Scotland
Audience: GPs Practice managers
Updated: Friday 28 June 2024
Topics: GP practices
GP practice article illustration

This guidance is for GP partners in Scotland looking at applying for a GP premises sustainability loan.

The purpose of interest-free sustainability loans is to reduce the risk of premises ownership and to support a model where GP contractors are not required to provide their own premises in delivering primary medical services.


What you'll get from this guide

  • What to consider when accepting a loan including the affects it can have on the practice.
  • Payment of the loan, what you can do with the funds and how you will need to repay the loan.
  • Selling the property under the loan and the prospect of the health board buying the premises.


How to use this guide

This guidance is intended to inform you of the different aspects of accepting a GP sustainability loan. 

Individual practices will need to take their own legal and financial advice before accepting the loan.

  • What has been agreed with the BMA
  • Documents from Scottish Government
  • Making a decision whether to accept
  • Before the loan can be paid
  • Costs to the practice
  • Impact on partners
  • Pre-acceptance checks
  • Option to purchase
  • Option valuation
  • Selling the property
  • Leaseback arrangements
  • Repairs under the lease