5.29
%
p.a.
Interest rate *
Home loans, investment, refinance, business and asset finance, all under one specialist team.
Whether you’re a registrar getting your first mortgage, a consultant refinancing an investment portfolio, or a practice owner needing equipment finance we work with doctors at every career stage, across every loan type. We know which of Australia’s 40+ lenders properly recognise medical income, partnership distributions, locum billing and AHPRA registration. We do the comparison work. You sign and settle.
* Comparison rate based on a $150,000 loan over 25 years. Fees may apply. Actual rates may vary with different terms, fees, or loan amounts.
* Rates shown are indicative only and subject to change without notice. Final rates will depend on the lender’s assessment of your individual circumstances, including your credit profile and loan purpose.
From your first home to your first practice — we handle the finance, you focus on patients.
Lender policies, LMI waiver caps and income assessment vary by the kind of doctor you are. Pick your situation
Steady income, broadest lender access. Full LMI waivers up to 100% LVR for AHPRA-registered GPs at every career stage.
Highest LMI waiver caps in the market, premium rates and large loan sizes for surgical specialists.
Anaesthetists, radiologists, physicians, psychiatrists and other AHPRA-registered specialists. Tailored structures for trust distributions and partnership income.
Locum, agency ,and contract income properly assessed. We find the lenders who fully credit your billing.
From your first home as an intern to your practice purchase as a partner, we structure finance around the realities of medical careers: irregular billing, AHPRA registration, locum income, partnership distributions and all.
Your career stage, the type of medical purchase or investment you’re funding, and how your income structure currently looks and is expected to grow.
Across home, investment, refinance, business and asset finance we compare 40+ lenders to find the one that gives you the best rate, structure and borrowing capacity for your situation.
Application, supporting docs, lender negotiation, valuations we drive the process so you don’t lose weekends to admin, paperwork, and endless back-and-forth with lenders.
Review the final documents, sign digitally, and settle with confidence while we coordinate the final steps so you can get back to patients, practice, and life faster.
Every loan product an Australian doctor is likely to need, under one specialist team.
LMI waivers up to 100% LVR for AHPRA-registered doctors. First home, upgrader or refinance.
Build a property portfolio with structures suited to high-income, irregular-billing doctors
Move to a lender that actually credits medical income, locum work or trust distributions
Practice buy-ins, fit-outs, equipment, vehicles, and expansion finance for medical professionals.
Book a 15-minute call and we’ll point you in the right direction — no obligation, no jargon.
We’re a finance brokerage that works exclusively with medical professionals. We compare 40+ lenders across home, investment, refinance, business and asset finance to find the right product and structure for each doctor we work with — at no direct cost to you.
Yes. Most major Australian lenders offer enhanced policies for AHPRA-registered doctors: LMI waivers up to 100% LVR on home loans, higher borrowing capacity (often 6–7x income vs the standard 5–6x), premium interest rates, and more flexible income assessment for locum or contractor work.
Yes — many doctors work with us across their full financial journey. First home loan as a registrar, investment property as a specialist, refinance after the rate environment changes, practice purchase as a partner, equipment finance for a fit-out. One relationship, every loan.
For most medical-pro lender programs, yes. AHPRA registration is the qualifying criteria, not income level or specialty — which means junior doctors and registrars qualify on the same basis as senior consultants.
Generally yes for home loans — most lender programs cover everyone from intern up. For business and practice lending, eligibility usually requires being a partner or practice owner.
Lenders pay us commission when your loan settles. There’s no direct cost to you. And because we compare the full lender panel, we can usually negotiate a better rate than going direct.