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Medical Professionals — Group 1

Exclusive Home Loan Benefits for Surgeons

As a surgeon, exclusive home loan benefits including LMI waivers and higher LVR limits.

Up to 95%
LVR Without LMI
$8K–$36K+
Potential LMI Savings
Multiple
Lender Options
Check My Eligibility — Free See Lender Comparison ↓
Registration Body
AHPRA + RACS (Royal Australasian College of Surgeons) or relevant specialty college
Income Requirement
No minimum income requirement at most lenders
Lender Acceptance
Accepted by all major lenders — top-tier classification across all professional packages

How Different Lenders Treat Surgeons

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% Group 1. All surgical specialties. DTI <6 for max LVR.
Select Lenders 94.99% 94.99% All surgical specialties listed individually. Up to $12M property.
Certain Lenders 95% 90% AHPRA registered specialists. Max $7M aggregated.
Other Lenders 90% 90% Group A classification. Standard limits apply.

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

Check Your Surgeon Benefits

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

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Why Choose Finance Hub?

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

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Profession Specialists

We understand the specific lending policies for surgeons and match you with the right lender.

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40+ Lender Panel

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

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$0 Cost to You

Our service is completely free. We get paid by the lender — not by you.

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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 surgeon home loan benefits

Which surgical specialties qualify? +
All AHPRA-registered surgical specialties qualify, including general surgery, orthopaedic, cardiothoracic, neurosurgery, plastic/reconstructive, vascular, paediatric, ENT, urological, and ophthalmology. If you're registered as a specialist with AHPRA, you're eligible.
I'm a surgical registrar — do I qualify? +
Yes, surgical registrars are typically eligible as they hold AHPRA registration. Your training status doesn't disqualify you. Some lenders are particularly accommodating of early-career surgeons given the strong income trajectory of the profession.
Can I buy a high-value property? +
Surgeons can access some of the highest property value limits — up to $12M at select lenders in premium postcodes, and $5M–$8M at standard lenders. Maximum total aggregated lending ranges from $7M to $8M depending on the lender.
Is the LMI waiver available for investment properties? +
Yes, several lenders offer LMI waivers on investment properties for surgeons. Some allow up to 95% LVR on investment at the top tier (DTI <6), while others cap at 90%. A broker ensures you maximise your investment strategy with the right lender.

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