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Medical Mortgage Brokers for Doctors and Medical Professionals

Home loans for doctors and medical professionals

With over 20 years of experience in banking and finance, Xaviera Moore has worked extensively across residential and medical lending. As a former bank manager and lender with three of Australia’s major banks, she has first-hand experience with lender policies, credit assessment processes, and loan documentation requirements.

As the founder and director of Medimortgage, Xaviera established the business to focus exclusively on working with medical professionals. Medimortgage provides information and structured process support to doctors, veterinarians, and health professionals seeking home loans through a range of banks and lenders.

 

The business is designed to accommodate the demanding schedules of medical professionals, offering flexible appointment times and coordinated communication throughout the loan process. Medimortgage works with medical professionals across Australia to assist with lender access, documentation coordination, and application management from enquiry through to settlement.

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Xaviera Moore
Specialist Mortgage Broker for Medical Professionals

Helping doctors, veterinarians, and health professionals with home loans throughout Australia.

How Medimortgage Works with Medical Professionals

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Medimortgage works exclusively with doctors and medical professionals and is familiar with how different lenders assess medical income, employment structures, and career progression.

We coordinate the loan process by:

  • Reviewing relevant financial and employment information

  • Identifying lenders whose published criteria may be applicable

  • Managing documentation requirements

  • Liaising with lenders throughout the process

Our role is to facilitate access to loan products and manage the application process efficiently, while keeping communication clear and structured.

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Understanding Medical Income and Lender Criteria

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Medical professionals often have income structures that differ from standard PAYG employment, particularly during training and early career stages. Lender assessment methods can vary depending on factors such as:

  • Employment type (hospital, private practice, contractor)

  • Length of employment and income history

  • Allowances, overtime, or additional sources of income

  • Existing liabilities such as HECS-HELP

Medimortgage regularly works with lenders that publish criteria relevant to medical professionals and remains across policy differences between institutions.

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Access to a Broad Range of Lenders​

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Medimortgage works with a panel of banks and lenders, including those with lending policies that may be relevant to doctors and medical professionals.

By working with multiple lenders, we can:

  • Provide information about a range of loan products

  • Identify differences in lender policies and documentation requirements

  • Coordinate applications with lenders whose criteria align with the information provided

All lending is subject to individual lender assessment, approval, and applicable terms and conditions.

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Supporting Busy Medical Professionals​

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The loan process can be time-consuming, particularly for medical professionals with demanding schedules. Medimortgage structures communication and appointments to minimise disruption, offering:

  • Flexible appointment times

  • Clear document checklists

  • Coordinated lender communication

This approach allows medical professionals to engage with the process in a way that fits around clinical and professional commitments.

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Who We Work With​

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Medimortgage works with medical professionals across Australia, including:

  • Doctors and specialists

  • General practitioners

  • Registrars and hospital doctors

  • Veterinarians

  • Allied health professionals

 

Next Steps​

If you would like information about home loan options available through a range of lenders, or assistance with the loan application process, you can contact Medimortgage at a time that suits you.

📞 0432 353 819
📧 xaviera@medimortgage.com.au
Or submit an enquiry via the contact form.

Frequently Asked Questions

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Do medical professionals have access to different home loan policies?
Some banks and lenders publish lending criteria that take into account the employment structures and income profiles of medical professionals. These criteria can vary between lenders and are subject to change.

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Can doctors apply for home loans while still in training?
Lender requirements differ. Some lenders may consider applications from registrars, interns, or doctors in training, depending on employment type, income documentation, and length of service.

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Does HECS-HELP affect borrowing capacity for doctors?
Many lenders include HECS-HELP repayments when assessing loan applications. How this is treated can differ between institutions and may affect servicing calculations.

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Do lenders assess overtime, allowances, or multiple income sources?
Some lenders may consider additional income such as overtime or allowances, subject to their individual assessment criteria and documentation requirements.

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Can medical professionals apply for home loans with non-standard employment arrangements?
Lender policies vary when assessing contractors, locums, or self-employed medical professionals. Documentation requirements and assessment methods can differ.

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Is working with a medical mortgage broker mandatory?
No. Medical professionals can apply directly with a bank or lender. A medical mortgage broker facilitates access to multiple lenders and coordinates the application process.

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What does Medimortgage do during the loan process?
Medimortgage assists with information gathering, documentation coordination, lender communication, and application management from enquiry through to settlement.

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How the Process Works

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Medimortgage follows a structured process to support medical professionals through the home loan journey.

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  1. Initial enquiry
    You contact Medimortgage to request information or assistance with the loan process.

  2. Information collection
    Relevant financial and employment details are gathered to understand lender documentation requirements.

  3. Lender review
    Information is reviewed against published lender criteria to identify loan products that may be available.

  4. Application coordination
    Documentation is prepared and submitted to the selected lender, with ongoing communication managed throughout the process.

  5. Assessment and settlement
    The lender conducts its assessment. If approved, Medimortgage coordinates next steps through to settlement.

 

All lending is subject to individual lender assessment, approval, and applicable terms and conditions.

Who We Work With

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Medimortgage works exclusively with medical professionals across Australia. We regularly assist with home loan applications involving a range of medical roles and employment structures.

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Doctors and Specialists

Including consultants and specialists working in public hospitals, private practice, or a combination of both.

 

General Practitioners (GPs)

Working in clinics, medical centres, or private practice, including contractors and practice owners.

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Registrars and Doctors in Training
Including hospital-employed doctors and registrars progressing through specialist training programs.

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Dentists

Working in private practices, group clinics, or as associates, with a range of employment and income arrangements.

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Veterinarians

Working in clinics, hospitals, or private practice, with varying income and employment arrangements.

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Allied Health Professionals

Including health professionals working under structured employment or contract arrangements.

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Lender policies and documentation requirements vary depending on role, employment type, and income structure. Medimortgage provides information and process support to assist with navigating these requirements.

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Why Use a Medical Mortgage Broker?

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Medical professionals often have employment structures and income profiles that differ from standard PAYG arrangements. Lenders may assess these differently depending on their individual policies and criteria.

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A medical mortgage broker works with multiple banks and lenders and is familiar with how different institutions assess applications from medical professionals. This can assist with identifying lenders whose published criteria may be relevant to the information provided.

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Working with a medical mortgage broker may also:

  • Provide access to information across a range of lenders

  • Reduce the need to approach multiple banks individually

  • Support coordination of documentation and lender communication

  • Assist with managing the application process from enquiry through to settlement

 

Medical professionals can apply directly with a bank or lender. A medical mortgage broker facilitates access to lender information and manages the process across multiple institutions.

© 2023 Medimortgage |  Privacy Policy | Terms of Use​

The information on this website is general in nature and does not take into account your objectives, financial situation or needs. Medimortgage does not provide financial or legal advice. Credit is subject to lender approval. Terms, conditions, fees and eligibility criteria apply and may change. You should consider obtaining independent professional advice before making any financial decisions.

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