Home Loans for Medical Professionals Specialist Lending Support
For doctors, nurses, dentists, pharmacists and allied health professionals. We understand your income structure, career demands and the lending options available to healthcare workers in Adelaide.
Why Medical Professionals Need Tailored Advice
Healthcare workers earn well, but standard loan assessments often undervalue your true income. Shift penalties, overtime, on-call allowances and locum work are not always counted the same way by every lender.
Overtime and Shift Penalties
Some lenders shade or ignore overtime and penalty rates, reducing your borrowing power unnecessarily
Multiple Employers and Locum Work
Mixed income from hospital roles, private practice and locum shifts needs careful presentation to lenders
Recent Training or Fellowship Changes
Moving from registrar to specialist or changing roles can complicate income history for banks
Little Time to Compare Banks
Long shifts and demanding rosters leave little time to research and compare dozens of lenders yourself
Wanting to Buy With a Lower Deposit
Some eligible medical professionals may access LMI waivers, allowing purchase with as little as 10% deposit
Potential Benefits for Eligible Professionals
Certain lenders offer tailored products for medical professionals. Eligibility varies by role, lender and policy.
Reduced or Waived LMI
Some lenders waive Lenders Mortgage Insurance for eligible medical professionals borrowing up to 90% LVR, subject to criteria
Higher Borrowing Amounts
Certain lenders recognise medical career trajectories and may approve higher loan amounts based on earning potential
Flexible Overtime Treatment
We find lenders who accept a greater percentage of overtime, shift loadings and on-call payments in their calculations
Products for Career Growth
Loan structures that fit your career path, whether you are an intern, registrar, GP, specialist or practice owner
Important: Eligibility Varies
Not all medical roles qualify for every benefit. LMI waivers, higher LVR limits and other professional advantages depend on the lender, your specific occupation, registration status and loan amount. We will check which benefits apply to your situation before making any recommendations.
How We Support You
Practical help that fits around your schedule and recognises the full picture of your income
Understanding Your Income
We take the time to understand your full income picture — base salary, overtime, on-call allowances, shift loadings, locum earnings and practice distributions — then match you to lenders who assess it fairly.
Respecting Your Time
We know your roster is demanding. Appointments are available by phone, Zoom or in person at a time that suits you. We provide clear document checklists upfront so nothing is wasted going back and forth.
Help at All Stages
Whether you are buying your first home, upgrading to a family home, refinancing for a better rate or adding an investment property, we guide you through the right loan structure for where you are today and where your career is heading.
Common Scenarios We Help With
Every medical professional's situation is different. Here are some of the cases we work with regularly.
First Home as Intern, Registrar or Early-Career Doctor
You have recently started earning well but may not have a long income history or large deposit. We find lenders who understand your career trajectory and offer professional benefits early.
Nursing or Midwifery Couples Buying Together
Two incomes with shift loadings and penalty rates can significantly boost borrowing power when assessed by the right lender. We maximise what counts.
Established Doctors or Specialists Upgrading or Investing
Whether upgrading your family home or building an investment portfolio, we structure loans to work with your existing commitments and high-income tax position.
Medical Practice and Small Business Owners
Running your own practice means mixed income types. We work with lenders who understand business distributions, trust structures and self-employed medical professionals.
Our Process
A straightforward five-step process designed to keep things simple and efficient for busy professionals
Initial Conversation
A quick chat by phone or Zoom to understand your goals, income structure, deposit position and timeline. No paperwork needed at this stage.
Pre-Assessment and Documents
We send you a clear checklist of what we need. You upload documents at your convenience and we assess your borrowing capacity across multiple lenders.
Lender and Policy Review
We compare lender policies for medical professionals, including LMI waiver eligibility, income treatment and any professional rate discounts available to you.
Recommendation and Explanation
We present our recommendation with a clear explanation of why this lender and product suit your situation, including rate, features and any professional benefits.
Application, Approval and Settlement
We handle the application, chase the lender for updates and keep you informed at every milestone through to settlement. You focus on your patients.
Medical Professional Home Loan Questions
Quick answers to the most common questions from doctors, nurses and healthcare workers
Ready to Find the Right Home Loan?
Speak with a mortgage broker who understands medical income and can help you access the lending options available to healthcare professionals.
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