Home Loans for Doctors
We help doctors save on their home loans with NO LMI Payable
- Borrow up to 100% of the property value
- Interest rates starting from 4.99%
- Experienced team with 99.9% approval rate
- We reimburse your annual home loan fees
- Get up to $3,000 cash back
High loan
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We Help Doctors On Average Save $100,000 On Their Home Loans
At Zenith, we understand the unique financial needs of medical professionals. That’s why we’ve crafted an unparalleled home loan package exclusively for doctors. Our expert negotiators secure rates that consistently beat the banks’ advertised offers, boasting an impressive 99.9% approval rate for doctor home loans. We offer several options to enable you to borrow up to 100% of your property’s value without the burden of Lenders Mortgage Insurance (LMI), potentially saving you around $75,000 on a $1,500,000 property.
We have access to Australia’s leading banks for exclusive doctor home loan benefits. Our confidence in the exceptional value of our home loan deals for doctors is unwavering. As a testament to this, we’re committed to covering your annual home loan fees when you become a client of ours. This not only reflects our assurance in the quality of our services but also highlights our commitment to providing the best offer for doctors Australia wide.
To top it off, our expert brokers have access to the best cash back offers, with potential returns of up to $3,000. Don’t settle for less, let Zenith’s industry experts find you the most competitive deal in the market, tailored specifically for medical professionals.
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Who Do We Help?
Along with a registration with the Australian Health Practitioner Regulation Agency (AHPRA), doctors from various medical disciplines are eligible for exclusive home loan benefits. The following list outlines the types of doctors who can access these perks:
- Cardiologists
- Dermatologists
- Neurologists
- Psychiatrists
- Endocrinologists
- Orthopedic Surgeons
- Plastic Surgeons
- Neurosurgeons
- Cardiothoracic Surgeons
- Medical Registrars
- Medical Graduates
- Dentists and Oral Surgeons
- Anesthetists
- Veterinarians
- Chiropractors
- Physiotherapists
- Pathologists
- Radiologists
- Obstetricians
- Gynecologists
- Pediatricians
- Otolaryngologists
- Oncologists
- Urologists
- Opthalmologists
- Emergency Doctors
- Self-Employed Doctors
- Locum Doctors
Even if you’re just starting your career or working part-time, you can still benefit from these exclusive home loan benefits. Medical professionals are generally viewed as low-risk borrowers due to the long-term job security and high earning potential that come with being a doctor.
Not sure if your role qualifies? Contact us to check your eligibility for an exclusive doctor home loan.
- Top-Rated Mortgage Brokers
- High Approval Rate over 1000+ loans
- Direct access to 50+ banks & lenders
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We believe everyone deserves access to a simple and transparent process for securing a home loan that aligns with their unique needs and goals.
We know how overwhelming the home loan process can be, and we’re here to make it easier.
With years of experience and a strong track record of helping hundreds of Australians secure the best home loans, we’re committed to making the process as simple and stress-free as possible.
Get No LMI, Lower Rates & Exclusive Deals
Are you a doctor looking for a home loan? As a medical professional, you have access to exclusive benefits like waived LMI and discounted interest rates. At Zenith, we specialise in helping doctors navigate the often complicated home loan market, ensuring that you can secure the best possible deal.
Whether you’re a full-time GP, a specialist, a locum, a newly qualified doctor, or even a medical intern, we understand your unique financial circumstances. With our expert knowledge and wide range of lender connections, we help you access home loans that are specifically designed for medical professionals. Let us show you how we can help you make the most of these exclusive benefits.
In this guide, we’ll outline why doctors are considered low-risk borrowers, explain the benefits you’re entitled to, and walk you through the steps to applying for a doctor-specific home loan or refinancing an existing mortgage.
Why Do Doctors Get Exclusive Home Loan Benefits?
Doctors are considered low-risk borrowers by lenders due to their high earning potential, long-term job security, and solid professional reputation. Their education, commitment, and steady income make them an attractive proposition for lenders, which is why they often qualify for preferential loan terms.
Most lenders offer exclusive deals to doctors, recognising their ability to pay back loans. Medical professionals enjoy an advantage when it comes to borrowing money. These benefits include LMI waivers and discounted interest rates, which make it easier for doctors to enter the property market or expand their real estate portfolios.
Our experienced team of mortgage brokers also have extensive experience in maximising your income and financial position to ensure you get the highest borrowing capacity possible. We understand the complex financial situation that medical professionals often have and know how to present your financial profile in a way that maximises your borrowing capacity and also maximises your chances of loan approval.
If you’re a doctor looking to secure a competitive home loan, make an appointment with us for an obligation-free phone call to learn more about how we can help you access these exclusive offers.
What Are the Benefits of Home Loans for Doctors?
Doctors enjoy several exclusive advantages when it comes to securing a home loan. Here are the key benefits:
- No LMI (Save Tens of Thousands)
LMI is typically required if you borrow more than 80% of a property’s value. However, doctors often qualify for LMI waivers, meaning you can save tens of thousands of dollars in upfront costs. Lenders can also lend up to 95% of a property’s value to eligible medical professionals, which is a massive benefit as you would only need to put in a 5% deposit to secure a home.
The savings on LMI depend on the loan amount, but they can be significant. For example, if you are looking to buy a property for $800,000 and have a 10% deposit ($80,000), the LMI could cost you anywhere from $15,000 to $25,000, depending on the lender. However, as a doctor, you can avoid this cost entirely, saving you a substantial amount of money upfront.
For higher-priced properties, the savings can be even more significant. Let’s say you’re purchasing a home for $1.5 million with a 10% deposit. The LMI on this property could range from $30,000 to $40,000, depending on your specific loan structure. With an LMI waiver, you keep those funds in your pocket, which can be used for other expenses like home renovations or reducing your loan balance faster.
By not having to pay for LMI, doctors can significantly reduce their overall borrowing costs and improve their financial position when applying for a home loan.
- Discounted Interest Rates
Doctors often receive discounted interest rates compared to standard borrowers. This can significantly reduce your monthly repayments and save you money over the life of your loan. The rate discounts offered to doctors vary depending on the lender, but they are generally quite competitive. We hold close relationships with some of the biggest lenders so you can rely on our team to negotiate the best rates for you.
- Flexible Loan Options
Doctors have access to a variety of home loan types, including fixed, variable, and offset loans. Whether you’re interested in a stable, predictable repayment schedule with a fixed rate, or you want to reduce interest by using an offset account, there are loan options to suit your financial preferences and goals.
For doctors looking to pay down their loan more quickly and reduce the total interest paid, an offset account is a popular option. By using your savings in an offset account, you can reduce the interest charged on your loan balance, potentially saving thousands of dollars in the long term.
- Simplified Loan Application
We simplify the home loan application process for doctors. We handle all the paperwork and liaise with lenders on your behalf, allowing you to focus on your own duties while we take care of the details. Our team will ensure that your loan application is processed smoothly, with minimal stress on your end.
Our goal is to make your loan journey as easy and hassle-free as possible, so you can spend your time doing what matters most to you.
Don’t miss out on these exclusive benefits. Our experienced mortgage brokers are ready for a chat to discuss how you can take advantage of these doctor-specific home loan benefits.
Our Brokers
Leon Ng
Mortgage Broker / Partner
With over 13 years of experience in the finance and banking industry, Leon has immersed himself in every aspect of the home loan process and possesses extensive mortgage knowledge. He specialises in helping busy professionals and self-employed individuals navigate the complexities of securing a home loan. He is passionate about taking the time to truly understand each client he works with, whether they are a first home buyer or an experienced investor, and using that insight to provide tailored home loan solutions.
Calvin Tan
Mortgage Broker / Partner
Calvin has over 10 years of experience in the finance and banking industry including many years working as a credit manager for the largest non-bank lenders. With a strong credit background, he is passionate about using that knowledge to simplify the process for his clients and help them achieve their financial goals. Calvin specialises in several key areas, including SMSF loans, construction loans, first home buyers, and dealing with complex lending structures.
Doctor Home Loan Case Studies
Client Profile:
Dr. Emily Chen, 29, a pediatric resident earning $270,000 annually. Despite strong income, she had no deposit due to student loans and living expenses.
The Challenge:
She wanted to buy a $1,250,000 property, but had no savings and needed an additional $60,000 for stamp duty and costs.
Our Strategy:
- Identified lenders offering 105% guarantor loans
- Worked with her parents as guarantors, confirming their equity
- Chose a lender who included stamp duty in the loan
The Result:
- Approved for a $1,312,500 loan, covering all purchase costs
- No deposit needed from Dr. Chen
- Secured a competitive rate despite the high LVR
Conclusion:
Dr. Chen secured her first home with no deposit, showing how strategic lending solutions can help young doctors enter the property market earlier.
Client Profile:
Dr. Lucas, 36, psychiatry registrar in North Sydney, earning $290,000 combined with his wife, needed a $1.5M loan to upgrade to a family home near the hospital.
The Challenge:
Their bank only offered $900,000. They had four credit cards ($30K limit) and a mostly paid-off apartment.
Our Strategy:
- Cancelled credit cards to boost borrowing by $180K
- Found a lender that accepted 100% of recent overtime and treated salary sacrifice as income
- Chose a medical-friendly lender to maximise borrowing
The Result:
- Increased borrowing by over $600K
- Secured $1.5M pre-approval in one week
- Family bought their ideal home near work and school
Conclusion:
With the right strategy, doctors can dramatically increase borrowing power and buy sooner- even when banks say no.
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