Borrow 95% of the property value with LMI waived!
Normally, if you borrow more than 80% of the property value, the lender will charge you a fee known as Lenders Mortgage Insurance (LMI).
This can be quite expensive and works out to be around $15,000 for a 90% loan on a $1,000,000 property.
However, Australian lenders see Doctors as low-risk borrowers with high incomes. Some of our lenders really want your business and are willing to go the extra mile to get it! They can allow you to borrow up to 95% of the property price while paying no LMI. You may qualify for other special benefits as well.
What type of Doctors and Medical Professionals qualify?
A – G
- Anaesthetists
- Anaesthesiologists
- Cardiologists
- Chiropractors
- Clinical Pharmacologists
- Dental Specialists
- Dentists
- Dermatologists
- Emergency Doctors
- Emergency Medicine Specialists
- Endocrinologists
- Epidemiologists
- Gastroenterologists
- General Practitioners
- Gynaecologists
H – N
- Haematologists
- Heart Doctors
- Hepatologists
- Hospital-employed Doctors
- Anaesthetists
- House Medical Officers (HMO/residency)
- Immunologists
- Interns (hospital-employed)
- Junior Medical Officers (JMO/residency)
- Kinesiologists
- Medical Administrators
- Medical Practitioners
- Nephrologists
- Neurologists
- Neurophysiologists
O – P
- Obstetricians
- Occupational Therapists
- Occupational and Environmental Medicine
- Oncologists
- Ophthalmologists
- Optometrists
- Orthodontists
- Otolaryngologists
- Pathologists
- Paediatrics and Child Health
- Physicians
- Physiotherapists
- Psychiatrists
- Psychologists
R – Z
- Radiologists
- Registrars
- Resident Doctors (residency)
- Resident Medical Officers (RMO/residency)
- Rheumatologists
- Specialist Physicians
- Supervised Doctors
- Surgeons
- Urologists
- Veterinarians
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They had a good understanding of different banks and their offering to doctors (e.g., 90% or 95% LVR without LMI, contractor requirements, etc.) They were able to negotiate a very competitive loan, which was complicated by factors such as maternity leave. Would highly recommend!
The whole team has been fantastic to work with throughout the entire process. Nothing was too much trouble for them and they did everything they could to find the best mortgage deals for us. Great follow-ups, accountability and clarifying of information. Will definitely use this team again and would highly recommend HLE to anyone.
My family and I would like to thank Home Loan Experts for assisting us in securing a home loan and realising our dream of purchasing our first home in Melbourne. They are very professional and gave sound advice throughout the journey. Thank you to the broker and their team.
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