Home Finance
For Doctors.
Home loans structured around how doctors earn. A 95% option is available through doctor-specific lender policies, with up to 100% finance possible for eligible owner-occupied purchases and the right structure. We work with GPs, specialists, registrars and junior doctors across the ACT and NSW.
Home loans that understand a doctor's career.
Standard mortgage policy wasn't built for medical professionals. Overtime, allowances, locum income, private billing, and practice distributions all get treated differently by different lenders — and the wrong lender choice costs you either money or borrowing capacity.
We work with lenders who have genuine doctor policies, not just standard products dressed up with a LMI waiver. That means proper assessment of your full income picture, better LVR, and a loan structure that fits where you are in your career.
Income assessment
We map your full income picture — base salary, overtime, allowances, locum, and private billing — and match you to lenders whose policy will count all of it.
LMI strategy
Most doctors can avoid LMI at higher LVRs. We identify which lenders offer genuine waivers for your profession and loan size — not all doctor policies are equal.
Application packaging
Your application is built around your career stage and income type, not forced into a standard template. Payslips, tax returns, AHPRA registration, and practice financials packaged correctly first time.
Manage to settlement
Valuations, conditions, and lender requirements handled end to end. You focus on your patients; we manage the paperwork.
What we actually arrange.
Owner-Occupied Purchase
Your primary residence — buying your first home, upgrading, or relocating for a position. Doctor-specific income assessment means your full earning picture is on the table, not just your base salary.
Investment Property
Residential investment loans for doctors building a property portfolio alongside their career. Negative gearing, rental income assessment, and multi-property facilities all available with lenders who understand professional borrowers.
Self-Employed GP & Specialist
GPs and specialists running their own practice have more complex income. We work with lenders who properly assess trust distributions, practice revenue, and private billing — not just a salary slip.
Refinance & Debt Consolidation
Refinancing to a better rate, releasing equity, or restructuring multiple facilities into something cleaner. Medical professionals often outgrow their original loan structure quickly as income grows.
From first call to settled.
Home finance for doctors is faster than commercial lending — most straightforward applications settle in three to five weeks from formal submission. The key is getting income structured correctly before the application goes in.
Applications stall when income is presented in a way that doesn't match the lender's policy. Getting it right first time is faster than correcting it after a queried or declined application.
Income review (30 min)
We map your income sources — base, overtime, locum, private billing, practice distributions — and match them to lender policy. This establishes your real borrowing capacity, which is often higher than a standard calculator suggests.
Lender selection
We identify two or three lenders whose policies genuinely fit your situation. Not all doctor policies are equal — some lenders count locum income, some don't; some go to 95% LVR, others stop at 90%.
Application preparation
Your application is packaged to match the lender's credit policy. Payslips, tax returns, AHPRA registration, and any practice financials are structured correctly before anything is submitted.
Manage to settlement
Conditional approval, valuations, unconditional, and settlement. We track every item, coordinate with your solicitor or conveyancer, and push when things stall.
100+ lenders. The right ones
Not every lender has a genuine doctor policy. Of those that do, not all will go to the same LVR, count the same income types, or move at the same speed. We know which ones fit your career stage and income structure right now — not what their website says.
CBA, ANZ, NAB, and Westpac all have doctor programs, but the details vary significantly. We know whose policy best fits your income type and loan size.
Some of the most competitive doctor policies come from mid-tier and specialist lenders. Often lower rates, higher LVRs, or more flexible income assessment than the majors.
Useful for self-employed doctors or complex income structures where bank policy is too rigid. Faster credit decisions and more flexibility on how practice income is assessed.
Short-term bridging for doctors in transition — buying before selling, relocating interstate, or bridging a practice acquisition. Small number of specialist relationships.
FAQs
Can I get a home loan with no LMI as a doctor?
Yes. Most lenders with a genuine doctor policy will waive LMI up to 90% LVR, and some will go to 95%. Eligibility typically requires current AHPRA registration and a minimum income threshold, which varies by lender. The LMI waiver alone can save tens of thousands of dollars on a standard Canberra property.
Does locum income count towards my borrowing capacity?
It depends on the lender and how long you have been earning it. Some lenders will shade locum income at 80%, others require a minimum 12–24 month history before counting it at all. We match you to lenders whose policy fits your income mix rather than applying for a loan and finding out afterwards.
I'm a junior doctor or registrar — can I still qualify?
Yes. Several lenders specifically cater to junior doctors and registrars who expect income to grow significantly over their careers. Your AHPRA registration and career trajectory matter, not just your current salary. Some lenders will factor in future earning capacity at the specialist level.
Can self-employed GPs and specialists access doctor-specific loans?
Yes, though the documentation requirements are more involved. Two years of practice financials are typically required, and lender assessment of practice income varies significantly. Some lenders are genuinely flexible on how they treat distributions and private billing; others apply standard self-employed policy with no recognition of the profession at all.
Can doctors borrow 95% for a home purchase?
Yes. A 95% LVR option is available through eligible doctor-specific lender policies, often with an LMI waiver. Registration, income, property, loan size and lender criteria apply, so we confirm the policy before lodging an application.
Can doctors borrow up to 100% for an owner-occupied home?
Eligible doctors may be able to access up to 100% finance for an owner-occupied purchase with the right lender and structure. This is not an automatic entitlement: serviceability, security, genuine savings or contribution requirements, loan costs and lender policy still apply.
95% for doctors. Up to 100% owner-occupied.
Doctor-specific policies can provide a 95% pathway, often with an LMI waiver. Eligible owner-occupier purchases may access up to 100% finance where the lender, security and overall application support it. Approval is subject to lender policy and serviceability.
Ready to find the right home loan for your career?
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