Home Loans for Doctors
- We negotiate a special 'Doctors Only' rate for you, backed by a 99.8% approval rate.
- 100% financing! Pay nothing in LMI when you qualify on eligible medico programs.
- We cover your annual mortgage home loan fees where lenders package them in. You won't find better!
- Get up to $3,000 cashback on eligible doctor home loan offers from our lender panel.
- Rates as low as 5.60% where offered - lender approval, eligibility, and your profile apply.
Doctor home loans
What we lock in for eligible doctors
Same focus as a dedicated medico page: pricing, LMI policy, and income assessment - written in plain English.
Interest rate deals for doctors
Major banks and non-bank lenders run medico or professional packages. We negotiate and show your price next to the standard advertised rate so the discount is obvious - not buried in fine print.
Enquire nowLMI waived at high LVR (when you qualify)
When you qualify, many programs waive LMI at high LVR (often 90% or 95%). That can mean a large upfront saving on the right loan size - always subject to lender approval and policy.
Enquire nowCashback & package value
When lenders offer cashback for new lending or refinances, we include it in the recommendation. Dollar amounts change with bank campaigns; we quote what’s available at the time you’re ready to proceed.
Enquire nowEligibility
Who lenders usually include in medico programs
Banks publish lists of accepted specialties and registration types. If you're on a program, we map you to a lender that actually recognises your title - not one that will decline mid-way.
Not listed? You may still qualify - medico policies change and intern / limited registration pathways exist with selected lenders.
- Employed or contracted as a medical practitioner recognised by the lender.
- AHPRA registration that matches the bank’s medico list (general, specialist, or sometimes provisional).
- Loan amount, LVR, and security within that lender’s published caps (postcode and property type can matter).
Three easy steps
From first chat to settlement, it's as easy as 1, 2, 3!
Understand your needs
In our first 20-minute chat, we explore your situation and what you want to achieve, so we know we're on the same page from day one.
Reviewing your options
Within a few days, we send clear recommendations from our lender panel and answer your questions: no jargon, just next steps.
Approval through to settlement
When you're ready, we prepare your application, deal with the lender, and stay on top of the process until your loan settles.
FAQ
Home loans for doctors - common questions
Why do banks favour doctors on home loans?
Lenders treat AHPRA-registered medical professionals as lower credit risk: strong earning trajectory, stable career path, and historically solid repayment behaviour. That’s why LMI waivers and rate discounts exist - each bank writes its own rules.
What types of doctors are usually not eligible for LMI waivers?
Typically non-AHPRA or disqualified registration, or roles outside recognised medico lists (e.g. some alternative health practitioners). Interns may still qualify with specific lenders. Every file is different - we confirm before you pay application fees.
What criteria do lenders use for waived LMI?
Usually current employment as a medical practitioner, AHPRA registration (general, specialist, or sometimes limited/provisional depending on bank), and a loan that fits the lender’s medico program (caps on LVR, loan amount, and postcodes can apply). No universal minimum income applies across all banks for doctors’ programs.
Can you use my overtime and shift penalties?
Yes - banks differ wildly: some take 80% of overtime, some 100%, and assessment periods vary. We match you to lenders whose income policy fits your last few payslips, not a textbook example.
Do I pay a broker fee?
For most home loans we’re paid by the lender on settlement. We explain how that works before you commit.
Our lenders
We compare offerings from 70+ banks and non-bank lenders to find a fit for you
More choice means a better chance of matching your scenario, whether you're buying, investing, or refinancing.
Enquire about doctor home loans
Tell us your registration, income type, and purchase or refinance goal - we’ll come back with lender options that fit medico policy.