Medical Professional Home Loans
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.
$0
LMI for eligible professionals
5%
Minimum deposit
40+
Lenders compared
$30K+
Potential LMI saving
🛡️ Credit Representative #567670
🏢 Mortgage Australia Pty Ltd ACL 377294
🤝 AFG Aggregator
💰 100% free service
⚡ Same-day response
Why it matters
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 faster📈
Higher Borrowing Capacity
Overtime, on-call, and locum income is assessed more generously — increasing how much you can borrow significantly.
Borrow more than you think⚡
Fast-Track Approvals
Major banks have dedicated health professional pathways that prioritise your application and cut processing time.
Move quickly on property📋
Flexible Income Assessment
Registrars, residents and locums qualify too. Lenders account for your career trajectory, not just your current income.
Works for your situation🤝
Specialist Broker Advocacy
We know which of 40+ lenders offer the best medical professional packages and how to position your application.
Expert guidance, free
Built for your career
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
Who qualifies
Is your profession eligible?
Most registered healthcare professionals qualify. Here's who typically benefits from medical professional loan products:
👨⚕️
General Practitioners🔬
Specialists & Surgeons🦷
Dentists & Orthodontists💊
Pharmacists🏥
Registered Nurses🩻
Physiotherapists👁️
Optometrists🐾
Veterinarians🧠
Psychologists🩺
Registrars & Residents🏃
Allied Health❓
Not sure? Ask us.The process
Three steps from enquiry to approval
We handle everything. You focus on finding the right property.
1
Tell us about your situation
Fill in the short form below. Takes 2 minutes. No commitment, no credit check at this stage.
2
We find your best lender
We compare 40+ lenders and identify which offers the best medical professional benefits for your scenario.
3
Get approved and move in
We handle the paperwork, liaise with the lender, and guide you all the way to settlement.
Free eligibility check
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.
🎉 Thanks! Kevin will be in touch within 1 business day.
Something went wrong — please call 0493 409 095.
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.
Common questions
Frequently asked questions
Yes — eligible medical professionals can borrow up to 90–95% LVR without paying Lenders Mortgage Insurance. LMI normally costs between $5,000 and $35,000+ depending on loan size. Eligibility depends on your profession, income, and the lender.
Yes. Several lenders extend medical professional benefits to interns, residents and registrars. Your future earning potential is factored in, even if your current income is lower.
Yes — many lenders accept locum and contractor income for medical professionals. The assessment is more flexible than for standard borrowers. We'll find the lender that best handles your income structure.
100% free. Mortgage brokers are paid by the lender, not the borrower. There is no cost to you at any point in the process.
Absolutely. You may be able to refinance to a medical professional product with a better rate and features. We'll review your current loan and tell you if switching makes financial sense.
Kare Brokerage is a licensed credit representative (#567670) of Mortgage Australia Pty Ltd (ACL 377294). All loan applications are subject to lender assessment and approval. LMI waivers and benefits vary by lender, profession, loan size, and LVR. This page contains general information only and does not constitute financial advice. Images sourced from Unsplash. Please speak to a licensed broker for personalised guidance.
