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Why are doctors eligible for
special discounts?

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!

The size of the interest rate discount will depend on:

  • Your particular medical profession.
  • Which industry association you are a member of.
  • Your income.
  • The size of your loan.

Get LMI waived when borrowing 100% of the property value and accelerate your investment portfolio!

Normally, if you borrow more than 80% of the property value then the lender will charge you a fee known as Lenders Mortgage Insurance (LMI). This can be quite expensive and works out to be around $24,000 for a 90% loan on a $1,000,000 property.

Some of our lenders can waive LMI for doctors, no deposit required, allowing you to buy multiple investment properties or your dream home!

What if I don’t qualify?

Some lenders, such as Investec, have sold their division that specialises in lending to doctors.

Other lenders such as CBA, Westpac, St George, ANZ, Macquarie and NAB have complex lending policies, pricing and restricted profession lists which make it hard for high-income professionals to get the discounts that they deserve.

We can usually help to get your LMI waived and a great rate based on your profession. But if you don’t qualify for waived LMI, we can often still get you an interest rate that’s way below the bank’s Standard Variable Rate (SVR).

What type of doctors and medical professionals qualify?

  • Anaesthetists
  • Anesthesiologists
  • Cardiologists
  • Chiropractors
  • Clinical Pharmacologists
  • Dental Specialists
  • Dentists
  • Dermatologists
  • Epidemiologists
  • Emergency Doctors
  • Emergency Medicine Specialists
  • Endocrinologists
  • Gastroenterologists
  • General Practitioners
  • Gynaecologists
  • Haematologists
  • Heart Doctors
  • Hepatologists
  • Herpetologists
  • Hospital-employed Doctors
  • Immunologists
  • Interns (hospital employed)
  • Kinesiologists
  • Medical Administrators
  • Medical Practitioners
  • Nephrologists
  • Occupational and Environmental Medicine
  • Junior Medical Officers (JMO/residency)
  • Neurologists
  • Neurophysiologists
  • Obstetricians
  • Oncologists
  • Occupational Therapists
  • Ophthalmologists
  • Optometrists
  • Orthodontists
  • Otolaryngologists
  • Paediatricians
  • Paediatrics and Child Health
  • Pathologists
  • Physicians
  • Physiotherapists
  • Psychiatrists
  • Radiologist
  • Registrars
  • Resident Doctors (residency)
  • Rheumatologists
  • Specialist Physicians
  • Surgeons
  • Supervised Doctors
  • Urologists
  • Veterinarians
  • Resident Medical Officers (RMO/residency)
  • House Medical Officers (HMO/residency)
  • Junior Medical Officers (JMO/residency)

How our services can help you…


Complete our free assessment form or call us.


We assess your situation.


We look at all the options from our panel of lenders.


We will find you the most suitable deals.

We are experts at finding the right home loan solution
for our customers. Let us help you.

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