Up to 95% no-LMI
Eligible professions may qualify for LMI waivers from selected lenders, subject to lender policy, profession, income, credit position, loan purpose and property type. On a $1m loan that can save $30k+ in insurance.
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Medical professional? You're treated differently.
Lenders compete hard for medical clients. Done right, eligible doctors and specialists may borrow up to 95% with no Lenders Mortgage Insurance through selected lenders, subject to lender policy. That can save tens of thousands. We match your discipline to the right policy.
Who this is built for.
- Doctors, dentists, vets, optometrists, pharmacists
- Specialists and consultants on hospital appointments
- Registrars and trainees with ongoing employment
- Medical professionals as PAYG or self-employed
- Buying a home, investment property, or refinancing
- Practice owners buying their own commercial premises
What we do
How we approach this work.
Right policy, right lender
Not every lender's medico policy is the same - some only cover specialists, others include allied health. We match your discipline to the best policy.
Sharper rates and discounts
Medical clients often qualify for additional professional package discounts on top of standard pricing.
Practice and commercial lending too
Buying into a practice, fit-out finance, commercial premises - we handle the whole picture, not just the home loan.
FAQs
Common questions.
What counts as a 'medical professional' for these loans?+
Each lender has a list - typically doctors, dentists, vets and pharmacists commonly qualify with a wider group of selected lenders. Optometrists, physios and other allied health professionals qualify with a smaller group of lenders. Eligibility is subject to lender policy, profession, income, credit position, loan purpose and property type. We check exactly where you sit.
Do I need to be a specialist?+
No. Many lenders extend the policy to registrars and even some trainees, as long as registration and employment are in order.
How much can I borrow?+
Often up to $4.5m without LMI through certain lenders, and even more under specialist policies. Borrowing capacity depends on income, debts and dependants - we model it precisely.
Next step
Let's chat about your next move.
No pressure, no jargon. We'll listen first, then map out the smartest way forward.