A premium lending strategy for specialist doctors
Unlock higher borrowing power, reduced costs, and smarter structuring tailored to medical professionals.
Book your 15-minute Doctor Finance CheckupDoctors have unique borrowing advantages — but most never use them.
Generic brokers don’t understand medical policy, tax structures, or how specialists build wealth.
The Real Challenges Doctors Face
You deserve a lending strategy that matches your profession.
The Specialist Finance Blueprint
A lending and wealth structuring system designed specifically for doctors:
You get advice at the same level of professionalism you give your own patients.
How the Doctor Finance Checkup Works
15-Minute Clarity Call
We assess your income type, borrowing needs, and current structure.
Policy-matched lender shortlist
You receive banks that favour doctors — and why.
The Specialist Blueprint
You’re shown exactly how to structure your loans for tax, growth, and speed.
Implementation & ongoing support
Refinance, invest, or restructure — without stress.
Ready to unlock your specialist doctor lending advantages?
15 minutes • No documents needed
Book Your Doctor Finance Checkup Download the Doctor Lending Advantage GuideFrequently Asked Questions
Can doctors borrow more than standard borrowers?
In many cases, yes. Australian lenders often view doctors as low‑risk borrowers due to strong income stability and employability. This can allow eligible doctors to access higher borrowing limits or more flexible lending criteria compared to standard borrowers, subject to lender policy and individual circumstances.
How does the LMI waiver work for doctors?
Some Australian lenders offer Lenders Mortgage Insurance (LMI) waivers to eligible medical professionals. This means you may be able to borrow up to 90% (and in some cases higher) of a property’s value without paying LMI, potentially saving thousands of dollars. Availability depends on the lender, your role, and your overall financial profile.
Which medical specialists are eligible?
Eligibility varies by lender, but commonly includes General Practitioners, medical specialists, registrars, fellows, dentists, and in some cases veterinarians and junior doctors. Each lender maintains its own approved profession list, so eligibility should be confirmed before proceeding.
Can you help with ABN or private contracting income?
Yes. Many Australian lenders accept ABN, locum, and private contracting income when it is structured and presented correctly. Depending on the lender, this may include combining PAYG and ABN income, using 6–12 months of earnings, or relying on accountant confirmation instead of full financial statements.