No LMI options through selected lenders
Eligible surgeons may access LMI waivers at high LVRs through selected lender medical programs. Subject to policy and eligibility.
← Medical & health professionals
Home loans for surgeons.
Specialist lending support for surgeons who want clear home loan options for buying, refinancing or building a property portfolio. Subject to assessment and current lender policy.
Who this is for
Built for surgeons like you.
- General, orthopaedic and neurosurgeons
- Plastic, vascular and ENT surgeons
- Cardiothoracic and other specialist surgeons
- Surgeons in private practice
- Surgeons working across multiple hospitals or clinics
- Surgeons buying prestige property or building a portfolio
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
Public and private income combined
Lenders experienced with medical income combine VMO, hospital, sessional and private practice income sensibly.
Buying prestige property
We work with lenders comfortable assessing larger purchases, complex valuations and prestige Gold Coast property.
Structuring across multiple properties
Lender selection matters more once you hold several properties. We map the whole portfolio before any new loan is written.
Common challenges
Where this profession often hits friction.
Complex income structures
Service trusts, company billings, sessional and consulting income are read differently by every lender. The right one changes capacity materially.
Tax planning vs serviceability
Healthy tax planning can suppress declared income on paper. We choose lenders that add-back appropriately.
Multiple income sources
Income across public, private, locum and consulting needs to be packaged for the lender, not just totalled up.
How we help
Strategy first. Loan second.
Our process is the same for every client - understand the situation, model it against selected lenders, then recommend a path. No pressure, no surprises.
- 01Confirm professional LMI eligibility across our lender panel.
- 02Combine VMO, sessional and private practice income properly.
- 03Coordinate with your accountant on entity and trust structures.
- 04Model borrowing capacity across multiple lender scenarios.
- 05Annual loan review for as long as you're a client.
Documents to have ready
Make the first conversation faster.
- AHPRA registration and specialist registration
- Recent payslips
- Private practice income records
- Last 2 years personal and business tax returns
- Business financials if applicable
- Current loan statements
FAQs
Common questions.
Can private practice income be used?+
Yes. Selected lenders count private practice income from companies, trusts and sole trader structures with appropriate documentation.
Can surgeons access no LMI lending?+
Eligible surgeons may qualify for LMI waivers through selected lender medical programs. Subject to assessment.
Can I buy an investment property while keeping my home loan flexible?+
Yes - structure matters. We use splits, offsets and lender choice to keep flexibility intact across the portfolio.
Will lenders accept income from multiple hospitals or clinics?+
Selected lenders combine multiple income sources properly with payslips, statements and contracts.
Can you help surgeons with complex income?+
Yes - complex medical income is one of our core specialties.
Want to know what you may qualify for?
Send us a few details and we will check your options with current lender policy.
Every lender has different rules. Your eligibility depends on your income, deposit, credit history, property type, location, existing debts and the lender policy at the time of application.
This information is general only and does not consider your personal situation. Lending options, LMI waivers, interest rates, loan amounts and approval requirements vary by lender and can change at any time. We will check your circumstances against current lender policy before making any recommendation.