No LMI to 90% LVR
Skip Lenders Mortgage Insurance and save $15,000-$40,000+ on your home purchase.
Specialist lending solutions designed for doctors, dentists, specialists, and allied health practitioners. Access exclusive professional benefits including higher LVRs and no LMI.
Medical practitioners
Dental professionals
Medical specialists
Chiros, physios & more
Exclusive lending benefits designed specifically for healthcare professionals with high earning potential and career stability.
Skip Lenders Mortgage Insurance and save $15,000-$40,000+ on your home purchase.
Purchase with no deposit through select lenders recognising your career stability.
Lenders recognise medical professionals' earning trajectory and job security.
Income from locums, overtime, and multiple practices considered favourably.
Unlike brokers who've only ever worked on one side of the desk, your application is guided by someone who spent over 12 years inside the banks and accounting firms that assess your loans.
Having sat in the assessor's chair, I know exactly how to present your application to maximise approval chances and secure the best terms.
Multiple income streams, locum work, practice ownership structures—I've assessed these scenarios thousands of times and know which lenders will say yes.
With experience in both banking and accounting (Deloitte), I understand what lenders need to see—and how to present your financials for maximum impact.
Comprehensive lending solutions covering every stage of your medical career and practice growth.
Professional home loans with exclusive LVR benefits and reduced LMI requirements for AHPRA-registered professionals.
Finance to buy an existing medical, dental, chiropractic, or allied health practice.
Fund medical equipment, fitouts, and technology upgrades for your practice.
Purchase your own consulting rooms or medical centre premises.
Manage cash flow gaps from Medicare billing cycles and practice expenses.
Professional vehicle financing for your work and personal vehicles.
Professional lending benefits are available to AHPRA-registered and equivalent healthcare practitioners across all specialties.
GPs, family doctors, clinic owners
Surgeons, anaesthetists, physicians
General, orthodontists, oral surgeons
Eye care professionals
Animal healthcare professionals
Physical therapy practitioners
Spinal & musculoskeletal care
Pharmacy owners & practitioners
Clinical & counselling psychologists
Foot & lower limb specialists
Whole-body manual therapy
OTs, radiographers, dietitians & more
Medical professionals enjoy exclusive lending benefits not available to the general public. These recognise your high earning potential, exceptional career stability, and professional standing in the community.
No Lenders Mortgage Insurance up to 90% LVR—saving $15,000-$40,000+ on a typical property purchase.
100% LVR options mean you can purchase your home without saving a deposit—perfect for early-career professionals.
Many lenders exclude or reduce HECS debt in serviceability calculations, significantly boosting your borrowing power.
We make accessing your professional lending benefits straightforward and stress-free.
Discuss your goals and verify your eligibility for professional benefits.
We identify the best lenders offering maximum professional benefits for your situation.
We handle the paperwork and liaise directly with lenders on your behalf.
Move into your new home or commence your practice purchase with expert support.
Answers to frequently asked questions about medical professional finance.
You'll need to be a registered medical professional with AHPRA or equivalent body. This includes doctors, dentists, specialists, pharmacists, optometrists, veterinarians, physiotherapists, chiropractors, osteopaths, podiatrists, and many allied health professionals.
Yes, select lenders offer 100% LVR to certain medical professionals, particularly doctors and dentists. Eligibility depends on your specific profession, income, and the property you're purchasing.
Many lenders offering professional packages either exclude HECS entirely or apply reduced calculations, significantly improving your borrowing capacity compared to standard lending.
Yes, lenders with professional packages typically take a more flexible view of variable income including locum work, overtime, on-call payments, and income from multiple practices.
Yes, many professional packages extend to registrars and even interns in some cases, recognising your future earning potential. Benefits may vary based on your stage of training.
Absolutely. We specialise in medical practice acquisition finance including goodwill, equipment, and working capital. We understand the unique valuation methods used for healthcare practices.
Yes, AHPRA-registered chiropractors and osteopaths typically qualify for professional lending benefits with many lenders, including reduced LMI requirements and flexible income assessment.
Medical professionals can save between $15,000 and $40,000 or more on a typical property purchase by avoiding Lenders Mortgage Insurance up to 90% LVR, compared to the standard 80% threshold.
Book a consultation to explore the exclusive lending benefits available to you as a healthcare professional. No obligation, just expert guidance.