Your career earns you exclusive loan benefits.
Are you using them?
Doctors, nurses, dentists and allied health professionals qualify for waived LMI, low deposits and faster approvals — benefits most borrowers never access.
What medical professionals get that others don't
Lenders recognise the stability and earning potential of healthcare workers — and reward them with advantages the general public simply can't access.
No Lenders Mortgage Insurance
Normally charged when you borrow more than 80% LVR. Eligible professionals borrow up to 90–95% with LMI completely waived.
Save up to $30,000+Buy with Just 5% Deposit
Instead of waiting years to save 20%, eligible healthcare workers can enter the market sooner — without the LMI cost.
Get in fasterHigher Borrowing Capacity
Overtime, on-call, and locum income is assessed more generously — increasing how much you can borrow significantly.
Borrow more than you thinkFast-Track Approvals
Major banks have dedicated health professional pathways that prioritise your application and cut processing time.
Move quickly on propertyFlexible Income Assessment
Registrars, residents and locums qualify too. Lenders account for your career trajectory, not just your current income.
Works for your situationSpecialist Broker Advocacy
We know which of 40+ lenders offer the best medical professional packages and how to position your application.
Expert guidance, free
You've worked hard. Your loan should reflect that.
Medical professionals represent some of the most creditworthy borrowers in Australia. Yet most never access the benefits they're entitled to — because they don't know they exist, or because their broker doesn't specialise in this area.
- No LMI on loans up to 90–95% LVR
- 5% deposit accepted by specialist lenders
- Overtime and on-call income counted in full
- Locum and contractor income accepted
- Available for owner-occupied and investment loans
- Refinancing to medical professional products also available
Is your profession eligible?
Most registered healthcare professionals qualify. Here's who typically benefits from medical professional loan products:
Three steps from enquiry to approval
We handle everything. You focus on finding the right property.
Tell us about your situation
Fill in the short form below. Takes 2 minutes. No commitment, no credit check at this stage.
We find your best lender
We compare 40+ lenders and identify which offers the best medical professional benefits for your scenario.
Get approved and move in
We handle the paperwork, liaise with the lender, and guide you all the way to settlement.
Find out what you qualify for
No cost. No obligation. Kevin will personally review your situation and get back to you within 1 business day.
Your information is kept strictly confidential. No spam, no selling your data. By submitting you consent to being contacted by Kare Brokerage regarding your enquiry.