Medical Professionals Lending: Tailored Loans for Healthcare Careers
Christian Stevens, Mortgage Broker
Published January 31, 2025, 2:10 p.m ET
Healthcare professionals face unique financial circumstances — high incomes, specialist qualifications, and at times, complex employment or self-employment structures. Fortunately, lenders recognise the low-risk nature of the medical field and often offer more favourable terms to doctors, dentists, pharmacists, and other medical workers.
Here’s how medical professional loans work, and how to make the most of them.
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🔑 Key Facts
- Medical professionals often qualify for exclusive home loan benefits including waived LMI, higher borrowing limits, and flexible policy.
- Lenders consider the stability of medical careers and future earning potential when assessing applications.
- Eligible professions include doctors, dentists, specialists, allied health professionals, and some medical students.
- Flint helps you access medical-specific loan products with better rates, higher limits, and lower upfront costs.
Who Qualifies for Medical Professional Loans?
Many lenders provide exclusive lending tiers or policies for registered professionals, including:
- General practitioners (GPs) and specialists
- Dentists and dental surgeons
- Pharmacists
- Optometrists
- Veterinarians
- Medical registrars or doctors in training
Each lender defines eligibility slightly differently, so it’s important to check professional accreditation.
Key Benefits for Medical Professionals
| Feature | Standard Loans | Medical Professional Loans |
|---|---|---|
|
LMI Waiver |
Usually required under 20% deposit |
Often waived up to 90% LVR |
|
Interest Rates |
Standard or tiered pricing |
Discounted or premium pricing |
|
Assessment of Income |
Strict PAYG/self-employed rules |
More flexible policy for locum/contract income |
|
Loan Limits |
Capped by policy |
Higher lending limits available |
Lending Scenarios Suited to Medical Workers
Because of their reliable earning potential and career stability, medical professionals can access:
- Higher LVRs without LMI: Buy sooner without a 20% deposit
- Favourable income assessment: Including multiple part-time roles, private practice, or locum work
- Trust and company loan structures: For tax efficiency or business growth
Home and investment loan bundles: For efficient long-term planning
What Lenders Still Look For
Even with medical-specific policies, lenders still assess:
- Proof of registration (e.g. AHPRA membership)
- Income verification (including payslips, contracts or ABNs)
- Deposit source and savings behaviour
- Credit history and existing liabilities
Using a broker ensures your application is presented correctly and matched to the right policy.
📞 Are You a Healthcare Professional Looking to Buy or Invest?
Flint works closely with medical professionals at all career stages:
- Access exclusive policies from major and specialist lenders
- Secure lending that grows with your career
- Tailor finance for private practice, home ownership, or property investment
Chat with Flint today and discover lending that values your profession — and supports your future goals.
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