Question 1

Do doctors really get LMI waived?

Accepted Answer

Yes, many major lenders and specialist providers offer LMI waivers for qualified medical practitioners. This can save you $10,000-$40,000+ depending on your loan amount, making it one of the biggest financial benefits available to doctors.

Question 2

Which medical professionals qualify?

Accepted Answer

Generally: GPs, specialists, surgeons, registrars, interns, dentists, veterinarians, and sometimes other allied health professionals like pharmacists and optometrists. Eligibility varies by lender.

Question 3

Can I get a doctor home loan as an intern?

Accepted Answer

Yes, some lenders will approve loans for medical interns based on future earning potential. You may need to provide evidence of your position and expected career progression.

Question 4

How is HECS treated for doctor loans?

Accepted Answer

Many lenders offering doctor-specific products will exclude HECS debt from serviceability calculations, or apply a reduced repayment rate, significantly increasing your borrowing capacity.

Question 5

What if I have locum or irregular income?

Accepted Answer

We work with lenders who understand medical income structures including locum, overtime, on-call, and private practice income. We can often include these in your application to increase borrowing power.

Home Loans For Doctors

Benefits for Medical Professionals

Waived LMI for Doctors

Up to 90-95% LVR

HECS Debt Treated Favourably

Intern & Registrar Friendly

Locum & Contract Income

Fast-Track Approvals

Frequently Asked Questions

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