Homes Loans

Let us take the stress out of your home loan

Access to a diverse pool of lenders

Streamlined process with exclusive benefits not available to the general public.

Borrow up to 100% of a property’s value without Lenders Mortgage Insurance (LMI).

We’ve seen many healthcare professionals over the years tell the same story. You’re busy caring for patients and the local community with a jam-packed schedule. 

With our many years of experience in looking after healthcare professionals with their home loans, we have streamlined the process to ensure we get you your ideal financial solution in a low-fuss, efficient time frame. We take the time to get to know your needs, research your strongest options, negotiate rates, handle paperwork and navigate you through the lending process as quickly and painlessly as possible.

As a medical professional, you are eligible to borrow up to 100% of a property’s value without having to pay Lenders Mortgage Insurance (LMI) which could save you tens of thousands of dollars.

Whether you’d like to purchase a property for investment or owner occupied, chat to one of our friendly team today.


Lets Chat.... Request a phone call

Request A Call - Home Loans

Common Homes Loans Questions

See some common questions and answers below, or call us at 07 4633 9888  

  • What is a broker and how can you help me?

    A broker is a financial professional who specialises in finding finance options for clients. As brokers, we work with you to ascertain your needs, future goals and source your ideal financial solution. We also help with documentation, applications and everything in between to see you through to settlement. 

  • How much will your services cost me?

    Generally speaking, brokers don’t charge upfront fees for their services and are instead paid commission from the lender at settlement. The broker is obligated to act in the best interests of the client and only find loans that are suitable for the client’s needs. 

  • What is Lenders Mortgage Insurance (LMI)?

    LMI is a premium that’s added to your home loan, normally for higher LVR bands due to the smaller deposit amount. The LMI waiver for medical professionals would generally apply for buying a home, refinancing an existing mortgage or taking out an investment loan.

  • I work as a health practitioner but my specialisation isn’t listed, do I qualify for LMI reductions or special rates?

    This is something we assess on a case by case basis if your specialisation isn’t listed. We can have a chat with lenders on your behalf to see if we can get an exception made.

  • My spouse is a doctor, does that mean we can qualify for a loan?

    Yes, if you are applying for a loan together and your partner is on the approved practitioner list, we can assist.

  • Why do medical professionals get better rates and offers?

    Medical professionals are seen as stable borrowers by many lenders. Lower lending risk and low discrepancy rates means lenders are prepared to offer great deals to win the business.

  • I was a hospital employed doctor but stepped out into private practice less than 12 months ago. Do I qualify for any kind of lending?

    Your average self-employed borrowers generally need to be in business for two years before applying for a loan. As a medico borrower, lenders are more open to listening. By presenting the lender with business projections as well as your good standing, we can make a case for you to be eligible for a loan package even as a relatively newly established business

  • I’m currently on a temporary work (Skilled) 457 Visa, can I qualify for a loan?

    This again is a case-by-case basis. Often you can still qualify for LMI or rate concessions.