Home loans for
Medical Specialists

Professional Packages for Registered Healthcare Professionals
up to 95% LMI Waiver – Medical Specialists

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Welcome to specialised brokerage services tailored for registered healthcare professionals. This unique option allows qualifying medical professionals to access home loans or investment loans with a Lenders Mortgage Insurance (LMI) waiver up to 95%. Please note that conditions apply.

Eligible Professions:

Our brokerage services cater to healthcare professionals working in Australia, including but not limited to:

  • Anaesthetist
  • Cardiothoracic Surgeon
  • Clinical Pharmacologist
  • Cosmetic Surgeon
  • Dentist
  • Dermatologist
  • Ear and Throat Surgeon
  • Emergency Surgeon
  • Endocrinologist
  • Gastrointestinal Surgeon
  • Gastroenterologist
  • General Practitioner (also known as Medical Practitioner)
  • Gynaecologist
  • Haematologist
  • Hepatologist
  • Immunologist
  • Nephrologist
  • Neurosurgeon
  • Neurologist
  • Obstetrician
  • Oncologist
  • Ophthalmologist
  • Optometrist
  • Oral and Maxillofacial Surgeon
  • Orthopaedic Consultant
  • Orthodontist
  • Otolaryngologist
  • Paediatric Surgeon (Neonatal and Perinatal)
  • Pathologist
  • Plastic Surgeon
  • Podiatrist
  • Psychiatrist
  • Radiologist (Note: This doesn’t include Radiographers)
  • Reconstructive Surgeon
  • Respiratory or Thoracic Surgeon
  • Urologist
  • Vascular Surgeon


Key Benefits:

  • Access to loans with up to 95% LMI waiver
  • No minimum income requirement
  • Eligibility criteria based on registration status with AHPRA

Eligibility Criteria:

To qualify for Professional Packages, applicants must be registered under the Australian Health Practitioner Regulation Agency (AHPRA) with the following criteria:

  • Status: Registered
  • Registration Type: Provisional, General, or Specialist

For more information and to check eligibility, please visit the AHPRA website:


How to Apply:

Ready to take advantage of specialised brokerage services? Contact us today for a consultation and personalised guidance on accessing home loans with exclusive benefits tailored to your profession. Let us help you navigate the lending options available from our panel of lenders and secure the right loan for your needs.

Why Choose Our Brokerage Services:

  • Expertise in serving healthcare professionals
  • Dedicated support throughout the loan application process
  • Extensive knowledge of profession-specific loan options
  • Transparent and reliable service
  • Ongoing client support

Don’t miss out on this opportunity to unlock exclusive benefits for healthcare professionals. Reach out to us today and start your personalised home loan journey!

Case Study

Client Background:

Jade, an optometrist earning $140,000 annually, and Riley, a coal miner with an income of $150,000 per year, decided to purchase a property together. They sold their current property and had $125,000 available for their new purchase. They have two children and no other debts.

Their Decision:

Opting for a property priced at $1,250,000, they secured a loan of $1,187,500, covering 95% of the property’s value. Jade and Riley took full advantage of Jade’s occupation as a healthcare professional to access tailored loan options. They leveraged Professional Packages designed specifically for registered healthcare professionals, allowing them to secure a loan with a 95% Lenders Mortgage Insurance (LMI) waiver. Thanks to this, they didn’t have to pay for mortgage insurance, saving them over $49,500.


Jade and Riley’s astute decision to leverage Jade’s profession in healthcare for tailored loan options not only eliminated the need for mortgage insurance costs but also significantly reduced their upfront expenses. This strategic approach highlights their financial acumen and sets a solid foundation as they embark on their property ownership journey with greater financial ease and efficiency.

Case Study 2

Client Background:

Emma and Michael, both optometrists, currently rent a property for $1,000 per week in their desired area. They have a combined income of $300,000 annually. However, they cannot afford to buy a property in their current location due to high property prices. They have savings of $200,000 and are exploring other investment options.

Their Decision:

After considering their financial situation and goals, Emma and Michael decided to explore investment opportunities outside their current location. They found three units priced at $1,750,000 together. They secured a loan of $1,662,500, covering 95% of the property’s value. Leveraging their occupation as optometrists, they accessed tailored loan options with a 95% Lenders Mortgage Insurance (LMI) waiver, saving them over $75,500 in mortgage insurance costs.


Emma and Michael’s strategic choice to continue renting and investing in a duplex not only allowed them to stay in the desired location but also enabled them to utilise their loan as a deductible debt against the investment property. By leveraging their savings and occupation-based loan options, they have set a solid foundation for wealth accumulation and property investment, putting them on track to achieve their long-term financial goals.