5.29
%
p.a.
Interest rate *
Australia’s highest LMI waiver caps, premium rates, and large loan sizes built for surgical specialists.
Most major Australian banks have built their highest LMI waiver caps, largest loan sizes, and most competitive rates around surgical specialists and we know exactly which lender to go to for each situation. Whether you’re a surgical fellow just out of training, a partner in a practice, or scaling a property portfolio, we structure finance that matches the scale and complexity of your earnings
* 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.
Surgeon in scrubs or theatre setting — confident, modern
Surgeons routinely qualify for the highest LMI waiver caps in the Australian market and we know which lenders are the most aggressive.
Often 0.2–0.4% below standard owner-occupier rates. At surgical loan sizes, basis points compound to meaningful savings.
Public hospital salary, private billings, partnership distributions, trust income — properly credited in combination, not just one source.
$3–$5m+ home loans are common in this segment. We know which lenders are most accommodating at the top end.
Four steps from intro to settlement
Public hospital salary, private practice billings, partnership distributions, trust income, and investment income.
That credit your full earnings. Most generalist brokers undercount surgeon income by 20–40%.
At your loan size, basis points matter. We drive the conversation with the lender’s senior medical lending team.
Enjoy your new home, investment, or practice!
Every loan product an Australian surgeon 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.
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.
Yes. Most medical-pro lender programs explicitly cover registrars, residents and interns. Eligibility is tied to AHPRA registration, not seniority — so registrar-stage GPs qualify on the same basis as established GPs.
Up to 100% LVR with select lenders (Westpac, Macquarie, BOQ Specialist and others). Standard cap is 90–95% LVR with no LMI; the 100% cap usually requires specific program enrolment, which we handle.
Both qualify under medical-pro lender programs. Partners may face slightly more complex income assessment (partnership distributions, K-1 returns) but typically borrow more due to higher income.
Yes, with the right lender. Some lenders don’t credit locum income at all; others credit 100%. We find the right one. If locum forms a significant portion of your income, our /doctors/locum/ page goes deeper on this.
No. Most medical-pro home loans don’t require you to consolidate your banking.
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