DOCTORS · NURSES · ALLIED HEALTH
Your profession is worth more to lenders than you think
Specialist lending for medical professionals, led by our medico specialist
Talk to a broker$2bn
Settled
5,500+
Clients
50+
Lenders
5.0
350+ reviews
Meet your specialist
Alex Krzystoszek
Medical Professional Specialist
Alex has personal roots in the medical profession space and is a highly regarded medico specialist.
10/10
“Alex is the best! He provided excellent assistance throughout every step of the process and helped make the successful loan approval possible within a very impressive timeframe. Thank you so much, Alex, for all your support and guidance. It was greatly appreciated.”
You look after everyone else all day, which tends to leave your own finances last in the queue. Here's something worth knowing: lenders compete hard for people in your profession, often with perks that don't reach the rest of us.
What is an LMI waiver for doctors?
LMI normally applies when you borrow above 80% of a property's value, and it can cost tens of thousands. For eligible professions, several lenders waive it at higher ratios entirely. Whether you qualify depends on the lender's current policy and your circumstances; our job is knowing both.
Read our LMI guideWhich professions qualify for medico lending?
Commonly medical practitioners, dentists and some allied health roles, with each lender keeping its own list. Overtime, on-call allowances, salary packaging and practice income are all read differently, and the presentation of the file is where the outcome is decided.
Can I get a home loan as a registrar or graduate?
Often, yes. Some lenders assess professionals on trajectory as well as current income, so registrars, graduates entering practice and newly admitted professionals can have more options than they expect.
Our clients’ stories
What happens when you reach out
- 1
The conversation: 15 minutes with Alex on your role, your income mix and what you are working toward.
- 2
The plan: which lenders reward your profession right now, and what that unlocks for you.
- 3
The application: packaged around professional income and managed through to approval.
- 4
Beyond the home: rooms, fit-outs, equipment and the next property, with someone who already knows your story.
Straight from Alex
“Service like no other! I've never had a mortgage broker so on the ball. Great advice, friendly and professional.”
“Told him about a complicated financing scenario. He told us step by step the best way to proceed. I'd recommend him to anyone!”
“Outstanding service. No question was too much and no call was ever a bother. His response time reflected his work ethic.”
“Always extremely responsive and willing to go that extra yard. I could not recommend his service enough.”
Get in touch
Tell us where you’re headed
Start the conversation
Run your own numbers
Worth knowing
What is an LMI waiver for professionals?
Several lenders waive Lenders Mortgage Insurance for eligible members of certain professions borrowing at higher loan-to-value ratios, because of the profession's income profile. Eligibility rules differ by lender and change over time; we check what applies to you rather than promising anything up front.
I am early in my career: does this still apply?
Often, yes. Some lenders assess professionals on trajectory as well as current income. Registrars, graduates entering practice and newly admitted professionals can have more options than they expect. General information only; your file decides.
Do you handle practice purchase and commercial needs too?
Yes, through our business and commercial finance work: rooms, fit-outs, equipment and practice purchases. It pairs naturally with getting the home lending structure right.
What does your service cost?
Nothing. Some brokers charge for their advice; we expressly do not. Lenders pay us on settlement, disclosed up front.
In your corner
Tell us what you're working toward and we will map the path. 1300 941 446, or book a time that suits.