Building Your Property Portfolio as a Doctor

As a doctor, your commitment to patient care and professional development leaves little time for financial planning. Yet, property investment can be a powerful tool to help you build long-term wealth and achieve financial security. At Medimortgage, we specialise in helping medical professionals across Australia take advantage of exclusive mortgage benefits and tailored lending solutions designed to support your property investment journey.

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Why Doctors Are Well-Placed for Property Investment

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Doctors are often considered low-risk borrowers due to their stable income, long-term career prospects, and strong earning potential. Many lenders in Australia recognise this, offering exclusive mortgage perks to medical professionals. These benefits can reduce upfront costs, enhance borrowing power, and make building a property portfolio more accessible—even with a demanding career.

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At Medimortgage, we help you understand and access these unique advantages so you can confidently grow your wealth through smart property investment.

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Exclusive Mortgage Benefits for Doctors

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As a doctor, you may be eligible for:

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1. Waived or Reduced Lenders Mortgage Insurance (LMI)
Typically required for loans with less than a 20% deposit, LMI can cost tens of thousands. Many lenders waive or discount LMI for doctors—potentially allowing you to buy with as little as a 5–10% deposit.

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2. Higher Borrowing Capacity
Your earning potential and job stability can unlock borrowing up to 95% LVR, enabling you to purchase in high-growth areas or expand your investment portfolio sooner.

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3. Competitive Interest Rates
Certain banks offer lower interest rates exclusively to medical professionals, helping reduce your long-term mortgage repayments and free up cash for further investment.

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4. Flexible Loan Features
Doctors often need flexible cash flow solutions. Features such as:

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• Offset accounts

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• Redraw facilities

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• Flexible repayment options
  make it easier to manage repayments during variable income periods or career transitions.

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5. Potential Tax Benefits
Investment properties may provide tax deductions through:

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• Negative gearing

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• Depreciation on assets

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• Capital Gains Tax (CGT) concessions
  These benefits can improve your overall financial position and support long-term wealth creation.

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Understanding Investment Loans for Doctors

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An investment property mortgage differs from a standard home loan. It’s assessed based on both the borrower’s financial position and the property's income potential. For doctors, it’s important to choose a loan structure that fits your income model—whether you're salaried, a locum, or self-employed.

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Common Loan Types:

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• Standard Investment Loans – Traditional loans with slightly higher interest rates.

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• Professional Packages for Doctors – With waived LMI and competitive rates.

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• Interest-Only Loans – Lower repayments upfront, ideal during early investment years.

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• Line of Credit Loans – Use equity from existing properties to fund new investments.

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Medimortgage brokers work with lenders who understand the specific needs of doctors, helping you choose the most appropriate option for your situation and goals.