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Our award-winning mortgage brokers will find you the right home loan for your situation.
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)
- Anesthesiologist
- Anaesthetist
- Cardio Thoracic Surgeon
- Cardiologist
- Cardiothoracic Surgeon
- Chiropractor
- Clinical Pharmacologist
- Cosmetic Surgeon
- Dental Specialist
- Dentist
- Dermatologist
- Doctor
- Ear and Throat Surgeon
- Emergency Doctor
- Emergency Medicine Specialist
- Emergency Surgeon
- Endocrinologist
- Gastro Intestinal Surgeon (Upper/Lower)
- Gastroenterologist
- General Practitioner (GP)
- General Surgeon
- Gynaecologist
- Haematologist
- Heart Doctor
- Heart Surgeon
- Hepatologist
- Herpetologist
- Immunologist
- Maxillofacial Surgeon
- Medical Administrator
- Medical Practitioner
- Nephrologist
- Neurosurgeon
- Neurologist
- Obstetrician
- Oncologist
- Ophthalmologist
- Optometrist
- Oral and Maxillofacial Surgeon
- Oral Surgeon
- Orthodontists
- Orthopaedic Surgeon
- Otolaryngologist
- Paediatric Surgeon (Neonatal/Perinatal)
- Paediatrician
- Paediatric Surgeo (Neonatal/perinatal)
- Pathologist
- Pharmacist
- Physician
- Plastic Surgeon
- Psychiatrist
- Physiotherapist
- Radiologist
- Radiation Oncologist
- Reconstructive Surgeon
- Respiratory Surgeon
- Respiratory/Thoracic Surgeon
- Rheumatologist
- Specialist Physician
- Surgeon
- Thoracic Surgeon
- Urologist
- Vascular Surgeon
- Veterinarian
- Dental specialist
- Anesthesiologist
- Anaesthetist
- Oral Surgeon
- Orthodontist
- Orthopaedic Surgeon
- Epidemiology
- Biomechanics
- Neurophysiology
- Kinesiology
- Sports chiropractic
- Animal chiropractic
- Academic Pharmacist
- Clinical Pharmacy Specialist
- Community Pharmacist
- Compounding Pharmacist
- Consultant Pharmacist
- Drug Information Pharmacist
- Home Health Pharmacist
- Hospital Pharmacist
- Industrial Pharmacist
- Informatics Pharmacist
- Locum Pharmacist
- Managed Care Pharmacist
- Military Pharmacist
- Nuclear Pharmacist
- Oncology Pharmacist
- Pharmacist prescriber
- Regulatory-Affairs Pharmacist
- Veterinary Pharmacist
- Pharmacist Clinical Pathologist
- Pharmacist Clinical Toxicologist
- Intern doctor (internship)
- Resident doctor (residency)
- GP Registrar
- House Medical Officer (HMO/residency)
- Resident Medical Officer (RMO/residency)
- Junior Medical Officer (JMO/residency)
- Medical Registrar
- Supervised Doctor
- Surgical Registrar
- Orthopaedic Registrar
- Barrister
- Lawyer
- Partner (Legal)
- Solicitor
- Judge
- Accountant
- Auditor
- Actuary
- Chief Financial Officer (CFO)
- Financial Manager
- Partner (Accounting)
- Professional Olympic Athlete
- Professional Cricket Player
- Professional Rugby Player
- Professional NRL Player
- Professional AFL Player
- Professional Soccer Player
- Professional Golfer
- Professional Basketball Player
- Professional Baseball Player
- Professional Rower
- Professional Hockey Player
- Professional Motor sports
- Professional Cyclist
- Professional Tennis Player
- Professional Surfer
- Professional Equestrian
- Professional Swimmer
- Actor/actress
- Model
- Musician/Singer/Composer
- DJ
- Photographer
- Filmmaker
- Producer
- Film Director
- Journalist
- Presenter
- Commentator
- Writer/Author
- Surveyors (Mining)
- Mine surveyor
- Quantity surveyor (Mining)
- Geologists
- Geophysicists
How we find you the right solution
We get a complete understanding of where you’re at and what your ultimate goals are.
You’ll get a recommendation in just 3 easy steps.
Step 1
Enquire online
or call us
Step 2
We assess
your situation.
Step 3
We find you the
most suitable loan.
Testimonials for Home Loan Experts
4.7 
4.8 
4.8 
“ …They’re a team of highly motivated, efficient and professional individuals that really go the extra mile and strive for the best outcome. The team we’re able to get me waived LMI as a pharmacist saving me 1000’s of dollars.”
Mikie
“ …He was able to quickly and with minimal fuss, find us a loan at a good rate when others told us it would be too hard. Very impressed with their service and would highly recommend the home loan experts in the future”
Kim T
“ …offered fast service and made the whole refinance process simple. And I love simple!
Thank you for getting me a great deal with a home loan that really suited my needs….”
Tracey A
“ …absolutely outstanding!!!! I would give more than 5 stars if I could. My partner and I cannot speak highly enough of him. Our situation is quite a difficult one and this is our first time buying a home, but nothing was too difficult….”
“ …provided an excellent service that included very quick turnaround in getting our applications processed and providing guidance and valuable advice in trying to secure a home loan for us…..”
Chavi U
“ …made the application and settlement process incredibly easy and stress-free. They provided very clear information and responded to any queries quickly. They were very transparent about all aspects of the process.”
Eamonn M