🩺 Medico Home Loans Australia

You look after everyone.
Let us look after your loan.

As a medical professional, you qualify for home loan benefits most people don't even know exist - waived LMI, sharper rates, and higher borrowing power. We make sure you actually get them.

Check My EligibilitySee the Benefits
$0LMI Saved
95%Max LVR
$0Broker Fee
Doctors Dentists Surgeons Veterinarians Pharmacists Optometrists Physiotherapists Chiropractors Psychologists Radiologists Anaesthetists Dermatologists Specialists Podiatrists Occupational Therapists GPs Doctors Dentists Surgeons Veterinarians Pharmacists Optometrists Physiotherapists Chiropractors Psychologists Radiologists Anaesthetists Dermatologists Specialists Podiatrists Occupational Therapists GPs Doctors Dentists Surgeons Veterinarians Pharmacists Optometrists Physiotherapists Chiropractors Psychologists Radiologists Anaesthetists Dermatologists Specialists Podiatrists Occupational Therapists GPs
ANZ CommBank Westpac NAB Macquarie St. George Bankwest Suncorp Bank of Queensland ING ME Bank AMP Heritage Bank Adelaide Bank Pepper Money RAMS ANZ CommBank Westpac NAB Macquarie St. George Bankwest Suncorp Bank of Queensland ING ME Bank AMP Heritage Bank Adelaide Bank Pepper Money RAMS ANZ CommBank Westpac NAB Macquarie St. George Bankwest Suncorp Bank of Queensland ING ME Bank AMP Heritage Bank Adelaide Bank Pepper Money RAMS

Why Medico Loans Are Different

The perks of saving everyone else's lives

Banks see medical professionals as low-risk borrowers with strong, stable incomes. Translation? You get benefits that most borrowers can only dream of.

🚫

No Lenders Mortgage Insurance

Save $15k-$40k+

Most borrowers need a 20% deposit to avoid LMI. As a medical professional, you can borrow up to 90-95% without it - saving you tens of thousands upfront.

📉

Sharper Interest Rates

Lower repayments

Banks compete for medicos. That means discounted rates that aren’t on the public rate cards - we know which lenders are sharpest for your profession right now.

💰

Higher Borrowing Power

Borrow more, sooner

Lenders factor in your earning trajectory - not just today’s payslip. That means more borrowing capacity, especially for registrars and early-career specialists.

🏡

Smaller Deposit, Bigger Options

Get in sooner

With as little as 5-10% deposit and no LMI, you don’t need to wait years to enter the market. Buy sooner, build equity earlier, and stop paying someone else’s mortgage.

Clarity over chaos ✦Loans that fit your life ✦No whispered prayers required ✦Strategy behind every signature ✦Your loan, loving you back ✦Finance without the fear factor ✦Clarity over chaos ✦Loans that fit your life ✦No whispered prayers required ✦Strategy behind every signature ✦Your loan, loving you back ✦Finance without the fear factor ✦Clarity over chaos ✦Loans that fit your life ✦No whispered prayers required ✦Strategy behind every signature ✦Your loan, loving you back ✦Finance without the fear factor ✦Clarity over chaos ✦Loans that fit your life ✦No whispered prayers required ✦Strategy behind every signature ✦Your loan, loving you back ✦Finance without the fear factor ✦

Eligibility

Do I qualify?

If you're registered with AHPRA or a member of a recognised medical association (like the AMA, ADA, or equivalent), chances are you're eligible. Here's a snapshot - but if you don't see your role, just ask us.

Doctors & Specialists

General Practitioners
Surgeons
Anaesthetists
Radiologists
Paediatricians
Psychiatrists
Dermatologists
Oncologists
Cardiologists
Emergency Physicians

Allied Health

Dentists
Optometrists
Physiotherapists
Chiropractors
Podiatrists
Occupational Therapists
Speech Pathologists
Psychologists

Other Eligible

Pharmacists
Veterinarians
Radiographers
Medical Registrars
Hospital Residents
Locum Doctors

Don't see your profession? Different lenders have different lists - get in touch and we'll check for you.

What We Do

Medico lending, tailored to you

First Home Purchase

Get in sooner than you think

You've spent years studying and working - you shouldn't have to wait years more to buy. With medico lending, a smaller deposit goes further and LMI disappears. We'll structure it so you're set up from day one.

Upgrading Your Home

More space, better position

Outgrown the apartment? Moving closer to the hospital? We'll help you leverage your equity and borrowing power to make the next move without the stress.

Investment Lending

Build wealth alongside your career

Building a portfolio alongside your career is one of the smartest moves a medico can make. We structure investment loans strategically - maximising tax efficiency and long-term returns.

Refinancing

Don’t leave money on the table

If you took out a loan before you knew medico benefits existed, you could be overpaying. We’ll review your current setup and switch you to a structure that actually rewards your profession.

Self-Employed Medicos

Your practice is your strength

Running your own practice? We get it - complex income, trust structures, fluctuating revenue. We specialise in presenting self-employed medical income in the best possible light.

Pre-Approval Strategy

Know your numbers early

Not quite ready to buy? We'll map out your position, lock in a pre-approval, and give you the confidence to move when the right property appears - without scrambling.

How It Works

From first call to
keys in hand

01

The Chat

Jump on a free call. Tell us about your role, your goals, and where you're at. No pressure, no jargon - just a straight conversation about what's possible for you.

02

The Strategy

We assess your medico eligibility, crunch the numbers, and match you with lenders offering the best deals for your profession. Structure matters - we get it right.

03

The Hustle

We handle the lenders, the paperwork, and the back-and-forth. You focus on saving lives. We'll keep you in the loop at every stage.

04

The Win

Settlement day. Keys in hand. And we don't disappear - we review your loan annually and make sure it keeps working as your career grows.

LMI Savings Snapshot

See what you don't have to pay

On a $800,000 property, here's how a medico loan stacks up against a standard borrower.

Standard Borrower

Deposit

20%

LMI Cost

$0

Required 20% to avoid LMI

Interest Rate

Standard rate

Standard Borrower (90% LVR)

Deposit

10%

LMI Cost

$15,000 - $40,000+

LMI applies at 90% LVR

Interest Rate

Standard rate

That's you

Medical Professional

Deposit

5 - 10%

LMI Cost

$0

LMI waived up to 90-95% LVR

Interest Rate

Discounted rate

Kind Words

"As a surgeon, I assumed I'd need to save for years before buying. Adrianna showed me I qualified for a medico loan with just 10% deposit and no LMI - saved us over $25,000. The whole process was seamless."

- Dr. Sarah L

Medico Home Loan

Got Questions?

The ones everyone asks

It’s a home loan product specifically designed for medical professionals. Lenders recognise your stable career and earning potential, offering benefits like waived LMI, lower deposits, and competitive rates that aren’t available to the general public.

If you’re registered with AHPRA, hold a medical degree, or are a member of a recognised medical association (AMA, ADA, etc.), you’re very likely eligible. This includes GPs, surgeons, specialists, dentists, optometrists, vets, pharmacists, and many allied health roles.

Most medico loans allow you to borrow up to 90-95% of the property value without paying LMI. That means as little as 5-10% deposit depending on the lender and your situation.

LMI on a standard loan at 90% LVR can cost anywhere from $15,000 to $40,000+ depending on the loan size. As a medical professional, this is completely waived - that’s money back in your pocket from day one.

Yes. Many lenders extend medico benefits to registrars and even some final-year medical students. They factor in your future earning trajectory, not just your current payslip.

Absolutely still eligible. Self-employed medicos have unique income structures, but we specialise in presenting this income to the right lenders. Trust distributions, company profits, mixed income - we handle it all.

Not a cent. Our Game Plan sessions, strategy calls, and loan management are all free. When your loan settles, the lender pays us. That’s it.

Definitely. If you took out a loan before you knew medico benefits existed, you could be overpaying. We’ll review your current setup and see if refinancing to a medico product makes sense.

Get In Touch

Ready to unlock your
medico benefits?

Fill out the form and I'll be in touch within 24 hours. Or if you're more of a "let's just chat" person, book a free call directly.

Townsville, QLD
Servicing clients Australia-wide
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