As a doctor, many lenders treat you as a lower-risk borrower — waiving Lenders Mortgage Insurance on loans up to 90% (and higher in selected cases) and offering sharper rates. Navigator Broking compares the whole doctor-friendly lender panel and structures your mortgage around a demanding medical career. Free to you. Market-wide.
Borrow with no LMI (eligible doctors, selected lenders)
Access to a broad lender panel
Cost to you — the lender pays
Hands-on pre-approval, start to finish
Why mortgages for doctors can be structured better than a standard home loan
Lenders view medical professionals as a stable, low-default borrower group — and they compete for your business. In practice, that means a handful of concessions on home loans for doctors that simply aren't available to most borrowers. The catch is that every lender writes its own rules: the professions it accepts, the maximum it will lend without LMI, and the discounts it offers all differ. That's exactly where a broker who works these files every week earns their keep — matching you to the lender where your profession and situation get the best outcome.
Most borrowers pay Lenders Mortgage Insurance above 80% of the property value. Eligible doctors can often borrow up to 90% — and in selected cases higher — with the LMI waived entirely, saving tens of thousands of dollars. Eligibility and maximum LVR vary by lender.
Several lenders extend their sharpest professional-package pricing and fee waivers to medical professionals. We compare the true cost across lenders — rate, fees and structure — not just the headline number.
Locum shifts, private-practice billings, company or trust structures and salary-packaging confuse mainstream branch lending. We know which lenders read this income correctly, so your borrowing capacity reflects reality.
You don't have time to chase banks between shifts. Santino manages the paperwork, the lender back-and-forth and the settlement timeline end to end — you make the decisions, we do the running.
Eligible-profession lists vary by lender — these groups commonly qualify
General practitioners, physicians, anaesthetists, surgeons and other specialists — typically the strongest eligibility across the panel.
Dentists, dental surgeons and veterinarians qualify with many lenders. See our medical professionals page for the broader allied-health picture.
Optometrists, pharmacists and some allied-health professionals qualify with selected lenders — eligibility varies, so lender choice matters.
Early-career doctors still building income can often access professional concessions — we'll find the lenders that recognise your trajectory.
Not sure if you qualify? That's the point of a quick chat — we'll tell you which lenders accept your profession and situation before you apply.
A hypothetical scenario showing how a doctor home loan can be structured
Consider a specialist surgeon with company and private-practice income who is knocked back by mainstream banks that can't read the structure. Matched to a lender that assesses medical income correctly, a doctor borrowing $1.2M could be structured at 90% LVR with LMI waived — avoiding the LMI premium that would normally apply above 80%. The eligible profession, maximum LVR and waiver all depend on the individual lender's criteria and approval.
Example loan amount
LMI, if eligible (waived)
Loan to value
Illustrative only — a hypothetical example, not a real client or a quote, and not a prediction of your result. Your borrowing capacity, LVR and LMI outcome depend on your circumstances and the lender's assessment.
How we support doctors across their financial life
Finance to buy into or purchase a medical practice, plus equipment and fit-out. See commercial property and equipment finance.
Build a portfolio with lending structured for doctors' income and tax position. Investment property loans.
Already own? Many doctors are on a rate they'd never be offered today. See how refinancing works.
Yes. Many lenders treat eligible medical professionals as lower-risk and will waive Lenders Mortgage Insurance (LMI) on loans up to 90% of the property value — and in selected cases higher — which can save tens of thousands of dollars. Some also offer professional-package rate discounts. Eligibility depends on your profession, the lender and your circumstances.
Eligible doctors can often borrow up to 90% of the property value without paying LMI, and a small number of lenders extend this further for certain professions. It's a lender concession, not an automatic entitlement — the waiver, maximum LVR and eligible-profession list vary, so the right lender depends on your situation.
Borrowing capacity depends on your income, existing commitments, expenses and the lender's assessment — not profession alone. Because many doctors have strong, stable income and can avoid LMI, they can often borrow more relative to their deposit than the general population. We calculate your specific capacity across the whole panel before you commit.
Eligible groups usually include GPs, specialists, surgeons and anaesthetists, and often dentists, veterinarians, optometrists and some allied-health professionals. Each lender publishes its own list, so a profession that qualifies with one lender may not with another. We match you to the lenders where you qualify.
Often no. Because eligible doctors can avoid LMI up to 90% (and sometimes higher), you may be able to buy with a smaller deposit than would otherwise be required — without the LMI cost that usually applies above 80%. We'll show you the trade-offs for your deposit and goals.
No. The lender pays the broker a commission on settlement, so our service is free to you. Lenders pay us a commission that can vary between lenders and products; under Best Interests Duty we must recommend what is in your interests regardless of that difference, and we disclose the commission for any loan we recommend.
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