Home loans for doctors, nurse, medical professional and health care professionals.

Commonly referred as the “medico home loan” – as the name suggest it’s a special discounted home loan (life of the loan discounts) with special flexible policy made available for borrowers employed in the medical industry and health care industry.

Health care professional is considered the top professions that banks favour. According to bank statistics, they have the lowest mortgage delinquency and tend to starts their own practices or private consulting, which require commercial and business loans down the track.

In exchange Health care professional get a range of benefits, including special loans, special rates, special treatment on income and access to loans without lenders mortgage insurance up to 95% loan to value ratio.

Loans for Doctors, Dentist, Optometrist, Pharmacist and other medical professionals

Type of loans and specials for health care professionals

Health care professional can access:

  • No LMI (lenders mortgage insurance) loans up to 85%, 90% and 95% LVR (loan to value ratio).
  • A bigger discount on home loans, commercial loans and business loans – available for investment loans and owner occupied.
  • Flexible choice of income – we can accept one year’s tax return for self-employed and contractors.
  • Some banks can consider 100% of overtime and allowances.
  • Some banks can accept the full 100% of casual income and 52 weeks per year to date without any buffer or shading.
  • Probation is fine.
  • Access to full doc loans and low doc loans.
  • Flexible security acceptance.
  • Property can be under a trust or company set up.

No LMI home loan for Medical professional,
Nurse and Doctors

85% LVR NO LMI90% LVR NO LMISpecial conditions
Anaesthetist Investment and OwnersInvestment and OwnersNA
Cardio Thoracic SurgeonInvestment and OwnersInvestment and OwnersNA
Cardiologist Investment and OwnersInvestment and OwnersNA
Chiropractor Investment and OwnersInvestment and OwnersMin income requirement applies
Clinical PharmacologistInvestment and OwnersInvestment and OwnersNA
Cosmetic SurgeonInvestment and OwnersInvestment and OwnersNA
DentistInvestment and OwnersInvestment and OwnersNA
DermatologistInvestment and OwnersInvestment and OwnersNA
Ear and Throat SurgeonInvestment and OwnersInvestment and OwnersNA
Emergency SurgeonInvestment and OwnersInvestment and OwnersNA
EndocrinologistInvestment and OwnersInvestment and OwnersNA
Gastro Intestinal SurgeonInvestment and OwnersInvestment and OwnersNA
GastroenterologistInvestment and OwnersInvestment and OwnersNA
HaematologistInvestment and OwnersInvestment and OwnersNA
HepatologistInvestment and OwnersInvestment and OwnersNA
ImmunologistInvestment and OwnersInvestment and OwnersNA
MidwifeInvestment and OwnersInvestment and OwnersMin income requirement applies
NurseInvestment and OwnersInvestment and OwnersNA
NeurosurgeonInvestment and OwnersInvestment and OwnersNA
Neurologist and Nephrologist Investment and OwnersInvestment and OwnersNA
Obstetrician Investment and OwnersInvestment and OwnersNA
Occupational therapistInvestment and OwnersInvestment and OwnersMin income requirement applies
Oncologist Investment and OwnersInvestment and OwnersNA
Ophthalmologist Investment and OwnersInvestment and OwnersNA
Optometrist Investment and OwnersInvestment and OwnersMin income requirement applies
Oral and Maxillofacial Surgeon Investment and OwnersInvestment and OwnersNA
Orthopaedic Surgeon Investment and OwnersInvestment and OwnersNA
Orthopaedic Registrars Investment and OwnersInvestment and OwnersNA
Otolaryngologist Investment and OwnersInvestment and OwnersNA
Paediatric Surgeon (Neonatal/Perinatal) Investment and OwnersInvestment and OwnersNA
Pathologist Investment and OwnersInvestment and OwnersNA
Pharmacist Investment and OwnersInvestment and OwnersMin income requirement applies
Physio Investment and OwnersInvestment and OwnersNA
Plastic Surgeon Investment and OwnersInvestment and OwnersNA
Psychiatrist Investment and OwnersInvestment and OwnersNA
PsychologistInvestment and OwnersInvestment and OwnersMin income requirement applies
Radiologist Investment and OwnersInvestment and Owners NA
Radiographer Investment and OwnersInvestment and OwnersMin income requirement applies
Reconstructive Surgeon Investment and OwnersInvestment and OwnersNA
Respiratory/Thoracic Surgeon Investment and OwnersInvestment and OwnersNA
Rheumatologist Investment and OwnersInvestment and OwnersNA
SonographerInvestment and OwnersInvestment and OwnersMin income requirement applies
Surgeons Investment and OwnersInvestment and Owners NA
Urologist Investment and OwnersInvestment and Owners NA
Vascular Surgeon Investment and OwnersInvestment and Owners NA
Veterinarian Investment and OwnersInvestment and Owners NA