No LMI & Discounted Interest Rates
Fast, Easy Application Process
Medical Mortgage Broker
As Doctor Mortgage Brokers, We Specialise in Loans for Doctors, Veterinarians & Medical Professionals
With Over 20 Years of Banking and Finance Experience, We Have the Lending Solution for You
Doctors Enjoy a Range of Benefits When Working with Medimortgage
Medical Professionals are usually eligible for special mortgage discounts and LMI waivers. The banks see doctors as a low-risk borrower, with a high income and as Medical Mortgage Brokers we know the lenders that are ready to go the extra mile to get your business. As a doctor, you could borrow up to 100% of the property value with no Lenders Mortgage Insurance (LMI).
Our Medical Finance Experts have dedicated medical industry knowledge and connections that facilitate large discounts on loans to doctors, locum doctors, veterinarians and a range of medical professionals. Our commitment to our medical professional clients enables us to negotiate significant discounts, often saving them thousands of dollars.
✔️Home Loans ✔️Investment Loans ✔️Business Loans ✔️Asset Finance
Access the Best Deals
We get you the best interest rates, packages & LMI waivers that aren't available to the general public, ensuring that doctors find the best home loan deals and have access to medical lenders. Our in-depth research team is focused on finding the mortgage product to suit the needs of medical professionals. We pride ourselves of sourcing the sharpest rates in the market for our clients.
Save Time and Money
Our streamlined finance application process is geared specifically for busy medical professionals. We simplify the doctor loan application process and do the legwork, cutting out the back and forth with the banks. We have a finger on the pulse on up to date medical loan policy.
Enjoy Access to 75+ Lenders
We pride ourselves on offering access to over 75 lenders in our portfolio including major lenders, specialised medical lenders, and leading non-bank lenders.
Flexible Access Hours
Our team is available outside business hours because we know medicos don’t work normal business hours. Our extended opening hours of 8am - 9pm, 7 Days a Week are designed to fit in with doctor schedules and offer flexibility around online or phone appointments.
"We simplify the loan application process and do all the legwork - we are here for you throughout the loan application process."
We Research Over 75 Banks and Lenders
At Medimortgage, We Know Banks
As Medical Mortgage Brokers, we secure loans for Doctors & Medical Professionals throughout Australia
Xaviera Moore
Mortgage Broker and Company Director
With over 20 years of banking and finance experience, helping my clients find a tailored lending solution for their needs is what drives me. As a former bank manager and lender for 3 of the BIG 4, I could see first-hand the need for a more personalised service. I take pride in developing long term relationships with my clients and applying my specialist lending experience to help them achieve their financial goals.
Over 20 Years of Banking and Finance Experience
Xaviera and her team were able to streamline the home loan process for our construction and make the process simple and easy. As a General Practitioner in Perth, I am time poor, and the Team were able to assist with flexible appointments and work around my busy schedule. I would highly recommend the team for your finance needs.
Dr Hennedige, General Practitioner, WA
It has been a pleasure to have Xaviera help us navigate the process of buying a first home. We don’t have a finance background and Xaviera has a knack for simplifying the process, while at the same time finding the best package for our situation. She is warm and welcoming, and works with us to achieve our short and long term financial goals. We would without hesitation recommend Xaviera to any medicos looking to find a fuss-free and tailored financial package.
Dr Hayden & Anna McRae, QLD
Xaviera was able to review my existing home loan and renegotiate with my existing lender to get a far more competitive interest rate. Although I had previously been with another broker I hadn’t had my loans reviewed since buying my house. The process was quick and easy and resulted in considerable savings for me. Highly recommend her services.
Dr Newbery, General Practitioner, QLD
Medimortgage
Our Locations
4403/71 Eagle Street
Brisbane QLD 4000
Suite 6, 120a Russell Street
Toowoomba QLD 4350
Doctor Home Loans, Investment Loans, Asset Finance & Business Loans
If you're a doctor, veterinarian or medical professional,there are home loans tailored specifically for you.
These specialised loans help you achieve your homeownership goals with low-interest rates, fee savings, higher borrowing limits, and flexible repayment options.
At Medimortgage, we’re here to make those goals happen. We understand the unique financial needs of doctors and medical professionals, and we’re committed to connecting you with the best home, investment, and business loan solutions available.
Realise Your Borrowing Potential and Access Exclusive Loan Benefits
With our doctor home loans, you can enjoy unique advantages, including:
- Zero LMI on Mortgages up to 95% of the property value – no need for costly Lenders Mortgage Insurance (LMI).
- Exclusive Interest Rate Discounts – save up to 2% off the standard rate, allowing you to maximise your savings.
- Higher Borrowing Capacity – borrow more than typical home buyers, helping you secure your ideal home or investment property.
Why Work with a Specialist Broker at Medimortgage?
Working with Medimortgage means partnering with experts who understand the demands of your profession and the distinct financial solutions available to you. We handle the complexities of the mortgage process, so you can focus on what you do best. Here’s how we help Australia's medical community:
- Exclusive Access to Lender Options: We work with over 75 banks and lenders across Australia to find the ideal loan solution for your individual circumstances.
- Tailored Financial Guidance: Our experienced brokers understand the financial landscape for doctors and will match you with competitive, tailored loan products.
- Comprehensive Support: From initial consultation through to settlement, Medimortgage provides dedicated, timely assistance.
Benefits of Doctor Home Loans
Doctor home loans in Australia are crafted with medical professionals in mind. Here’s what you can expect:
- Zero LMI: Enjoy the savings of no Lenders Mortgage Insurance on higher-value loans, helping you invest more into your property.
- Higher Borrowing Limits and Reduced Deposit Requirements: Access greater financing options to achieve your financial goals.
- Interest Rate Discounts: Doctors often qualify for interest rate reductions, leading to lower monthly payments and faster equity growth.
- Asset Protection: Certain loans offer the option to borrow through a trust, providing peace of mind as you build wealth.
- Investment Flexibility: With investment loan options, doctors can strategically build wealth, leveraging their high earning potential.
How Much Can Doctors Borrow?
Medical professionals, including doctors, can access substantial borrowing limits thanks to their stable careers and higher earning capacity. For qualified doctors in Australia, it’s possible to secure up to 100% Loan-to-Value Ratio (LVR) without LMI, allowing you to borrow without a deposit. This gives you the flexibility to secure your dream property or make a smart investment.
Who is Eligible for Doctor Home Loans?
Medical home loans aren’t just for physicians. The following professionals may qualify for similar benefits:
- Dentists, veterinarians, chiropractors, and pharmacists
- Surgeons, anesthesiologists, radiologists, and specialists
- Allied health professionals, like occupational therapists and optometrists
Tips for Finding the Right Doctor Loan Lender
Finding a lender who understands the specific needs of doctors can make a world of difference. Here are a few tips to ensure you get the best deal on your loan:
- Leverage Your Professional Status: Take advantage of the high regard lenders have for medical professionals.
- Explore Doctor-Specific Loan Programs: Some lenders offer special medical professional loans – start with these institutions.
- Negotiate Terms: Given your strong financial profile, don’t hesitate to ask for better terms or rates.
- Consult with Medimortgage: Our specialised brokers can help you navigate the market, identifying the best lenders and terms suited to your unique situation.