Can I get a home loan with a 5% deposit as a Doctor?

Yes, as a Doctor or Specialist, you may be eligible for a 5% deposit loan with waived Lenders Mortgage Insurance (LMI), saving you thousands upfront.

Can part-time, casual, or contract doctors qualify for waived LMI?

Yes, part-time, casual, and contract doctors may still qualify. We work with lenders who understand variable income structures in healthcare.

Can I buy with a partner who isn’t a Doctor or Specialist?

Yes, you can buy with a partner who isn’t a healthcare worker. As long as one of you is eligible, you may still access benefits like LMI waivers, low deposit options, and discounted rates. We’ll structure the loan to suit both of you.

I’m a graduate on a probation period, can I still apply?

Yes, some lenders will accept newly graduated nurses or those on probation, especially in the healthcare industry. We’ll help present your case in the best light.

Home Loans Exclusively for Doctors & Specialists

We understand your career, income, and goals; and fight to get you the lending benefits you deserve.

Doctors & Specialists
Lending Benefits

Where Are You on Your Doctors Wealth Path?

Whether you’re just starting out or planning your next move, we tailor lending strategies for every stage of your healthcare career.

Early Career

First Home Buyers & First-Time Investors

Eligible doctors may be able to buy with as little as a 5% deposit without paying LMI, subject to lender and eligibility criteria. This may help you enter the property market sooner while keeping more of your savings available.

Mid-Career

Upgraders, Refinancers & Property Investors

Leverage your equity, access cashback, or improve your rate. Upgrade your home or purchase your first investment property with a strategy built around your income, shifts, and future goals.

Senior career

Building Wealth & Lifestyle Freedom

Explore strategies involving offset accounts or available equity to manage your lending and support your longer-term property goals.

Shehani, Doctor, NSW

“Domenic and Carla have been amazing helping us through our first home buying journey. They were very knowledgeable, organised and always contactable when we needed any advise. They guided us through the entire process from looking for properties to closing, and checked in even after the whole process was completed. We truly appreciate all the support and guidance they have provided, and would definitely highly recommend them!!!”

Daniella, Registrar 3rd Year, NSW

“I've had nothing short of the best experience acquiring my first home loan with the most organised, knowledgeable, professional and thorough team at Healthcare Home Loans. The entire process was smooth, and in light of my busy schedule they were always so accommodating in ensuring all my queries were met at times most convenient for me. I would recommend to absolutely anyone, especially medical health professionals whereby all the finite details of working in the healthcare industry can sometimes prove challenging given the nature of our work and complexity of multiple financial sources. Because of this wonderful team, I've purchased my first home with ease and look forward to the next purchase with them.”

Kate, Trainee Doctor, NSW

“Had a fantastic experience with the whole team at Healthcare Home Loans - from start to finish! I'm writing this having moved into my new apartment and feeling really happy and satisfied. They went above and beyond to help me with every aspect of my property finding journey, and as a first home buyer I had lots of questions! Felt very supported the whole way through, especially during the nerve-racking period of making an offer. Highly recommend. Thanks guys!”

Cheng, Doctor, NSW

“Carla and team are fantastic. Carla was very helpful and provided informative advices when I was trying to refinance my mortgage. Highly recommended!”

Shehani, Doctor, NSW

“Amazing team! Very helpful and supportive throughout the entire process of purchasing a new home. Very grateful!”

Glenn, Doctor, WA

Glenn, Doctor, WA “Domenic and Carla are an amazing team. I work in healthcare and due to the nature of the work it was not a straightforward loan application and required some creative thinking to get the information to the bank in a way they would understand. Domenic and Carla worked very hard and at all times kept us informed how things were going. They were successful in getting the loan and now we can progress to building our new home. I can't recommend them any higher they are true professionals.”

We work with over 50 banks including all of the major banks, Commonwealth Bank, Westpac, ANZ, NAB, ING, Bank West, Macquarie and many more second tier lenders. We work with over 50 banks including all of the major banks, Commonwealth Bank, Westpac, ANZ, NAB, ING, Bank West, Macquarie and many more second tier lenders. We work with over 50 banks including all of the major banks, Commonwealth Bank, Westpac, ANZ, NAB, ING, Bank West, Macquarie and many more second tier lenders. We work with over 50 banks including all of the major banks, Commonwealth Bank, Westpac, ANZ, NAB, ING, Bank West, Macquarie and many more second tier lenders. We work with over 50 banks including all of the major banks, Commonwealth Bank, Westpac, ANZ, NAB, ING, Bank West, Macquarie and many more second tier lenders. We work with over 50 banks including all of the major banks, Commonwealth Bank, Westpac, ANZ, NAB, ING, Bank West, Macquarie and many more second tier lenders.

We work with over 50 Lenders

Ready to Take the Next Step?

Whether you’re buying your first home, upgrading, or investing for the future. We’re here to help you make confident, informed decisions.

Speak with a specialist who understands healthcare income and the lending options that may be available to doctors and specialists.

Step 1:

Book a
Discovery Call

We’ll understand your goals and give you a clear view of what’s possible, whether you’re buying your first home, upgrading, or investing.

Step 2:

Tailored Loan Strategy

Work with our senior lending specialist to build a plan around your role, income and circumstances, including LMI waiver and low-deposit options where eligible.

Step 3:

Apply with Confidence

We’ll handle the paperwork, lender search, and coordination from start to finish, so you can stay focused on your career while we take care of the details.

Frequently Asked Questions

Why Choose Healthcare Home Loans for Medicos?

We know that medicos often face challenges like extended work hours, complex income structures, or managing substantial student loans. Our specialized medico package home loan solutions are crafted to cater to your needs, helping you save time, money, and effort.
Here’s what makes us different:

Tailored Loan Packages: Explore home loan options and lender policies available to eligible medical professionals, whether you’re purchasing, refinancing or investing.
LMI Waiver Benefits: Eligible medical professionals may access LMI waivers with selected lenders, subject to profession, registration, income and lender criteria.
Competitive Interest Rates: We compare available rates and loan options across our lender panel to find an option suited to your circumstances..
Expert Support: Work with dedicated mortgage specialists who understand the medico profession and can guide you through every step of the loan process.
Access to 50+ Lenders: Choose from a wide range of loan options with our network of over 30 trusted lenders.

Why Medicos Trust Us

With years of experience working with healthcare professionals, we are committed to providing medicos with personalized solutions and expert advice. From initial consultation to settlement, our team supports you throughout the process and keeps you informed at each stage.

Contact Us Today

At Healthcare Home Loans, we’re here to help medicos achieve their homeownership and investment goals. Whether you’re looking to buy, refinance, or invest, we can help you explore home loan options and lender policies suited to eligible medical professionals.

Contact us today to learn more about our exclusive medico package home loans and take the first step toward financial success.

The Doctors
Wealth Blueprint

The Doctors Wealth Blueprint is an educational resource designed for medical professionals, covering property finance, lending considerations and key financial decisions across different career stages.

Home Loans Exclusively for Doctors & Specialists

Doctors & Specialists
Lending Benefits

Lower Deposits

Waived Fees

Higher borrowing power