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What Is a Doctors’ Home Loan?
A doctor’s home loan is a specialised mortgage product designed for medical professionals. Banks and lenders recognise doctors as low-risk borrowers, allowing them to access higher loan amounts, lower deposits, and waived LMI compared to standard home loans.
How Doctors’ Home Loans Work
Medical professionals can access home loans with lower deposits and waived LMI, even when borrowing above 80% of a property’s value.
These loans also offer discounted interest rates and faster approvals due to the financial stability of doctors. Some lenders even accept contract income and self-employed earnings for medical professionals running private practices.
Exclusive Benefits of a Doctors’ Home Loan
Medical professionals receive preferential treatment from lenders, resulting in unique mortgage benefits. The key advantages include:
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Waived LMI on loans up to 90-95% of property value (saving thousands in upfront costs)
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Lower interest rates compared to standard home loans
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Higher borrowing capacity due to stable income potential
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Fast-tracked loan approvals recognising the strong earning potential of medical professionals
These benefits make it easier for doctors to secure a home loan with less upfront cost and better long-term savings.
Specialist Mortgage Brokers for Medical Professionals
At Freedom Mortgage Solutions, we specialise in home loans for doctors, surgeons, dentists, pharmacists, and other medical professionals. We work with over 30 lenders to find exclusive mortgage deals designed specifically for the healthcare industry.
Tailored Loan Solutions & Hassle-Free Approvals
Our mortgage specialists handle all the paperwork, lender negotiations, and approvals, ensuring a seamless and stress-free home loan process. Whether you're a junior doctor, specialist, or running your own practice, we tailor home loan solutions to match your career stage and financial goals.
Who Qualifies for a Doctors’ Home Loan?
Lenders offer exclusive home loan benefits to a range of medical professionals, including:
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General practitioners (GPs)
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Specialists (surgeons, cardiologists, anesthetists, etc.)
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Dentists & orthodontists
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Pharmacists
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Veterinarians
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Chiropractors & physiotherapists
Even medical professionals with limited employment history (e.g., interns or junior doctors) may qualify for specialist home loan benefits.
How to Get Approved for a Doctors’ Home Loan
To qualify, lenders assess factors such as:
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Income stability & employment contract
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Professional registration (e.g., AHPRA for Australian doctors)
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Loan-to-value ratio (LVR) and deposit amount
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Credit history & existing financial commitments
Even self-employed doctors running private practices can access low-doc home loan options if they meet certain income verification criteria.
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FAQ
Doctors typically have higher borrowing capacity due to their stable income and career growth potential. Many lenders allow medical professionals to borrow up to 95% of a property’s value while waiving LMI, making it easier to secure a home with a lower deposit.
Lenders consider doctors as low-risk borrowers with strong long-term earning potential, making them more likely to meet repayment obligations. As a result, banks waive LMI for doctors borrowing above 80% LVR, which can save tens of thousands in upfront costs.
Yes, self-employed doctors can qualify for specialist home loans. Lenders may require business financials, tax returns, or accountant-declared income statements to verify earnings. Some banks offer low-doc home loans for medical professionals with irregular income structures.
Even doctors at the start of their careers—such as interns, registrars, and junior doctors—can access home loans with minimal employment history. Lenders assess future earning potential, meaning newly qualified medical professionals can still secure a mortgage under exclusive industry benefits.
Doctors' home loans allow medical professionals to purchase owner-occupied homes, investment properties, or refinance existing mortgages. Some lenders also offer specialist finance options for doctors purchasing medical practice premises.
Freedom Mortgage Solutions welcomes your enquiry. To book an appointment or simply ask us a question, fill in your details and we'll be in touch soon!