Loans & Services
Comprehensive home loan solutions tailored for every medical professional and every property goal.
First Home
Up to 95% LVR
2-3 business days for pre-approval
LMI Policy
LMI waivers available for eligible medical professionals
Typical Documents
ID, payslips, tax returns, offer letter
First home buyer grants may apply. We help navigate all concessions and ensure you get the best rate for your first purchase.
Next Home / Upgrading
Up to 90% LVR
48 hours typical
LMI Policy
Reduced LMI for medical professionals
Typical Documents
Standard employment docs + exit strategy for current property
Options for bridging finance if needed. We coordinate timing between sale and purchase to minimise stress.
Investment Property
Up to 90% LVR
3-5 business days
LMI Policy
Medical professional discounts apply
Typical Documents
Full financials, rental appraisal, investment strategy
Maximise tax benefits and negative gearing. Interest-only options available. We structure for optimal cash flow.
Refinance
Up to 90% LVR
2-4 business days
LMI Policy
Usually no LMI on refinance
Typical Documents
Current loan statement, recent payslips, property valuation
Save thousands by switching lenders. We handle all the paperwork and ensure zero disruption to your current loan until settlement.
Construction / Build
Up to 90% LVR
5-7 business days
LMI Policy
Medical LMI discounts on total loan
Typical Documents
Building contract, council approval, finalised plans, fixed-price contract
Progressive drawdowns aligned with build stages. We coordinate between builder, lender, and you. Interest-only during construction available.
Self-Employed / ABN Medical
Up to 90% LVR
3-5 business days
LMI Policy
Full medical professional benefits
Typical Documents
2 years tax returns, BAS statements, accountant letter, ABN details
Special policies for medical practitioners with private practice or locum income. We understand medical business structures.
Company / Trust Lending
Up to 80% LVR typically
5-7 business days
LMI Policy
Case-by-case assessment
Typical Documents
Company financials, trust deed, guarantor docs, accountant certification
Perfect for specialists and established practitioners. Tax-effective structures preserved. We work with your accountant for optimal setup.
Specialist Medical Packages
Up to 95% LVR
48-72 hours
LMI Policy
Often waived completely
Typical Documents
Specialist registration, employment contract, references
Elite packages for specialists, surgeons, and senior medical consultants. Premium rates, dedicated service, white-glove experience.
Common Pitfalls & How We Prevent Them
- Underselling Your Income
Many medical professionals don’t structure their PAYG + locum/ABN income correctly, leaving money on the table.
- We maximise your income assessment using medical-specialist lenders.
- Paying Unnecessary LMI
Standard brokers miss medical LMI waivers, costing you $10k-$30k+.
- We know every lender's medical policy inside-out.
- Wrong Lender Choice
Not all lenders understand complex medical employment structures or trust setups.
- We match you with lenders who specialise in medical professionals.
- Delays From Missing Docs
Applications stall because brokers don’t pre-emptively gather the right paperwork.
- We provide a clear checklist upfront and coordinate everything efficiently.
Ready to explore your options?
Send us your scenario for a no-obligation assessment and custom loan structure.