👨‍⚕️

Medical Professionals — Group 1

Exclusive Home Loan Benefits for Doctor / GP / Specialists

As a doctor / gp / specialist, you're eligible for some of the highest home loan benefits available — including up to 95% LVR without paying Lenders Mortgage Insurance.

Up to 95%

LVR Without LMI

$8K–$36K+

Potential LMI Savings

Multiple

Lender Options

Check My Eligibility — Complimentary See Lender Comparison ↓

How Different Lenders Treat Doctor / GP / Specialists

Not all lenders offer the same benefits. Here's how the major categories compare:

Lender Category	Max LVR (OO)	Investment LVR	Key Conditions
Some Lenders	95%	95%	DTI must be below 6 for 95%. Property up to $5M ($8M premium postcodes). TML $8M.
Select Lenders	94.99%	94.99%	Property up to $12M in premium postcodes. Max aggregated $7.5M. P&I only.
Certain Lenders	95%	90%	Max individual security $4.5M. Max aggregated $7M.
Other Lenders	90%	90%	Group A classification. No minimum income. Standard policy limits.

Lender names shown generically. Contact us to find out which lenders match your situation.

Check Your Doctor / GP / Specialist Benefits

complimentary, no-obligation assessment. Find out exactly what you qualify for.

⭐ 5.0 Rating 🏆 8× Award-Finalist 💯 No Cost to You

First Name *

Last Name *

Email *

Phone *

Estimated Property Value Current Deposit / Savings Message (Optional)

🔒 Your details are secure. No spam, no obligation.

Why Choose Finance Hub?

We specialise in professional home loans and know exactly which lenders offer the best terms for your profession

🎯

Profession Specialists

We understand the specific lending policies for doctor / gp / specialists and match you with the right lender.

🏦

40+ Lender Panel

Access to all major banks and specialist lenders, ensuring you get the best rate and terms.

💰

$0 Cost to You

Our service is at no cost to you. We get paid by the lender — not by you.

📋

Ongoing Review

We review your loan every 6-12 months to ensure you're always on the best deal.

Frequently Asked Questions

Common questions about doctor / gp / specialist home loan benefits

What type of doctors qualify for LMI waivers? +

All AHPRA-registered medical practitioners qualify, including General Practitioners (GPs), Medical Specialists (cardiologists, oncologists, neurologists, etc.), Hospital Doctors (interns, residents, registrars, staff specialists), and Surgeons. Your specific specialist registration doesn't matter — if you're registered with AHPRA as a medical practitioner, you're eligible.

Can I get 95% LVR as a doctor? +

Yes! Doctors are one of the few professions that can access up to 95% LVR without LMI. However, not all lenders offer this — some cap at 90% or 94.99%. Your DTI ratio typically needs to be below 6 for the maximum 95%. A broker ensures you apply to the right lender for your situation.

Do I qualify if I'm still a registrar or intern? +

Yes, hospital-employed doctors including interns, residents, and registrars are typically eligible. You need current AHPRA registration and your primary income must come from your medical role. Some lenders are more flexible than others for early-career doctors.

Can I use the LMI waiver for an investment property? +

Yes, several lenders allow LMI waivers on investment properties for doctors. Some offer up to 95% LVR on investment (with DTI below 6), while others cap at 90%. This is a significant advantage for building your property portfolio while still early in your career.

What's the maximum property value I can buy? +

Property value limits vary by lender — from $4.5M at some lenders up to $12M at others (in premium postcodes). Maximum total aggregated lending ranges from $7M to $8M. A broker will match you with the lender that accommodates your target property.

Finance Hub & Networks Pty Ltd | ACN 644 141 613 | Authorised under Australian Credit Licence 573164

Your full financial situation would need to be reviewed prior to acceptance of any offer or product. Credit criteria, fees, terms and conditions apply.