5.29
%
p.a.
Interest rate *
LMI waivers up to 100% LVR, premium rates and enhanced borrowing capacity for AHPRA-registered general practitioners.
General practitioners are the largest single group of AHPRA-registered doctors in Australia and most major lenders have built dedicated home loan programs around them. Whether you’re a GP registrar, salaried GP, partner in a clinic or running your own practice, you qualify for LMI waivers, premium rates, and enhanced borrowing capacity. We find you the lender that does the most with your situation.
* 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.
GP in clinic setting — warm, professional, not stock-y
Borrow up to 100% of property value without paying Lenders Mortgage Insurance — saving tens of thousands on a typical $1m purchase.
Most lenders use enhanced income multiples for GPs, often allowing 6–7x your gross income instead of the standard 5–6x.
Medical-pro pricing tiers usually sit 0.1–0.3% below standard owner-occupier rates.
Four steps from intro to settlement
Salary, billings, partnership distributions, locum work, and complex medical income structures — all clearly mapped for lenders.
That fully credit how GPs actually earn, with lending structures tailored to medical professionals and growing incomes.
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.
We’ll be in contact for final steps, but outside of signing the contract, your time can be focussed on your patients.
Every loan product an Australian GP is likely to need, under one specialist team.
No deposit, no LMI, 95% LVR through one of our specialist lenders. Settled in 28 days.
Combined home loan and business loan, structured for tax efficiency across the household and the practice.
Moved from a Big 4 to a medical-pro lender at 0.4% lower rate — saving $11K per year on a $850K loan.
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.
Generally yes. Most lenders treat all FRACS-registered surgeons (general, orthopaedic, plastic, cardiothoracic, neurosurgical, vascular, paediatric, etc.) under the same medical-pro program.
Up to $4–5m+ with select lenders, depending on income evidence and program. Some lenders cap medical-pro waivers at $2m; others go significantly higher. We know which is which.
Yes — with the right lender. Some lenders only credit PAYG salary; others use full tax-return income including trust and partnership distributions. We match you to the latter.
Most major banks’ ‘medical specialist’ divisions only offer their own lender’s product. We compare across the full panel — which almost always finds a better rate, larger loan, or more favourable structure than going direct.
This is core to what we do. Surgeons typically have the most complex income structures of any client segment, and we have established relationships with the senior medical lending teams at the major lenders — which materially affects how your file is assessed.
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