Banks see doctors as safe borrowers. Your loan should reflect it.
Medical incomes are stable, grow predictably and rarely default, so lenders offer doctors terms almost no one else gets. Three matter most.
No LMI up to 95%
Buy with as little as a 5% deposit and pay no lenders mortgage insurance. On a typical Sydney purchase, that is a saving of $20,000 to $50,000, or simply years less waiting.
Every loading counts
Overtime, on-call, penalty rates and private billings: many banks shade them to 80% or average them away. We place you with lenders that count your actual pay, which can mean hundreds of thousands more in borrowing power.
Sharper interest rates
The same competition that waives LMI also cuts pricing. Lenders offer doctors discounted rates below what they advertise, but only if someone asks. We ask all of them, then put the best offers side by side.
Built to fit around a roster, not banking hours.
A call that fits your shift
Early, late, post-nights, 30 minutes whenever works. We confirm your waiver eligibility and what your income is really worth to a lender.
Three options in 24 hours
Your best medico-policy lenders, side by side, waiver, rate and structure, with special pricing already requested. You choose; we don't push.
We handle the paperwork
The application is prepared, lodged and chased to settlement while you're on the ward. Then Rate Watch™ re-checks your rate every year, free.
Hear from our happy homeowners.
What medicos ask on the first call.
Which professions qualify for the medico waiver?
Doctors (including interns and registrars), dentists and vets qualify almost everywhere. Pharmacists, optometrists, physios, chiropractors and some allied health qualify at certain lenders. Each keeps its own list and income thresholds, we check you against all of them.
I'm a registrar early in my training. Can I buy now?
Usually, yes. Lenders familiar with the training pathway treat registrar roles as continuous employment, because they know a registrar's income only goes one direction. Some will even factor your pay progression into the assessment.
Do overtime and on-call actually count?
At the right lenders, at 100%, for essential-services workers that includes overtime, on-call allowances and penalty rates. At the wrong ones, they're shaded to 80% or ignored. Same payslip, very different borrowing power.
I bill privately through an ABN or trust. Does that complicate things?
It just changes which lender we choose. VMO arrangements, private billings and practice distributions are everyday income to medico-savvy credit teams, we present them the way those assessors expect, alongside any salaried income.
Find out what your registration is worth.
A free 30-minute call with Nathan, your waiver, your real borrowing power, and the lenders that want medicos. The lender pays us, not you.