Mortgage Broker for Doctors

Doctors have unique borrowing power — but most banks don’t assess medical professionals correctly.

At MediMortgage, we specialise in home loans and mortgages designed specifically for doctors and medical professionals. Whether you’re an intern, registrar, specialist, or practice owner, we help you access lender policies and borrowing strategies that most brokers don’t even know exist.

We work exclusively with medical professionals across Australia to help you buy sooner, borrow more, and structure your lending the right way from the start.

Book a free strategy call to see what’s possible.

Enquire Online

Why doctors need a specialist mortgage broker

Most mortgage brokers treat doctors like any other PAYG borrower. But lenders don’t.

Many Australian banks have special lending policies for medical professionals, including:

Waived Lenders Mortgage Insurance (LMI)
Higher borrowing capacity
Lower deposit requirements
Flexible income assessment
Better interest rate negotiations
Recognition of future earning potential

The problem?

Not all brokers know which lenders offer these policies — or how to access them.

That’s where we come in.

Home loans designed for medical professionals

We help doctors at every stage of their career:

Interns & Residents

Entering the property market early while managing HECS and career progression.

Registrars

Maximising borrowing capacity during training years.

Specialists & Consultants

Structuring lending for high-income and complex tax situations.

Practice Owners

Supporting business owners with home loans, refinancing and investment lending.

Want to explore lending options in more detail? See our Home Loans for Doctors page.

Benefits of doctor home loans

We are not a general mortgage broker.

We focus on one thing: helping medical professionals secure the right home loan strategy.

Our approach is tailored, strategic and long-term.

When you work with Medimortgage you get:

✔ Lending strategies designed for medical careers
✔ Access to banks with doctor-specific policies
✔ Guidance on borrowing capacity and structure
✔ Help navigating HECS, contracts and career changes
✔ Support from application through to settlement

When should doctors speak to a mortgage broker?

The best time is before you start house hunting.

A strategy call can help you:

Understand how much you can borrow
Identify lenders with doctor policies
Plan your deposit strategy
Avoid common mistakes
Buy sooner and with confidence

How the Process Works

Initial enquiry
You contact Medimortgage to request information or assistance with the home loan process.
Information collection
Relevant employment and financial details are gathered to understand lender documentation requirements.
Lender review
Information is reviewed against published lender criteria to identify loan products that may be available.
Application coordination
Documentation is prepared and submitted, with communication managed throughout the process.
Assessment and settlement
The lender completes its assessment. If approved, next steps are coordinated through to settlement.

Frequently Asked Questions for Doctors

Can doctors avoid LMI?

Many lenders offer LMI waivers for eligible professionals, depending on income and profession.

Can interns and registrars get a home loan? Yes. Many lenders consider future income and career progression.

Do you help doctors across Australia? Yes — we work with medical professionals nationwide.

Next Steps

Buying property as a doctor doesn’t have to be complicated.

Speak with a mortgage broker who understands medical lending and get a clear strategy tailored to your career and goals.

Book your free discovery call today.

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