Dedicated Home Loan Partner for Busy Doctors
More than just a mortgage – we partner with doctors to structure their property journey for long-term success
- 2-10% deposit to buy a home
- Special rates as low as 4.99%
- We cover annual loan fees for doctors
- Your very own dedicated home loan partner
- Tailored lending solutions and expert advice
Home Loans for Doctors, Done Differently
Why 9 out of 10 doctors refer their colleagues to us:
Dedicated Lending Concierge
We handle everything lending related, so there’s one less thing for you to worry about
Tax-Smart Structuring
Loans built around your unique income and long-term tax goals
Trust & SMSF Lending Expertise
We help you buy properties in the right names with the right advice
Team Collaboration
We coordinate directly with your accountant or financial planner so everything aligns
Bi-Annual Portfolio Reviews
Stay ahead of interest rate changes, equity use, and investment opportunities
Priority Service
Skip the call centres. Talk directly to your private lending advisor for all your lending needs
Looking to Buy or Refinance?
Complete this form and we’ll be in touch for a free assessment. It does not affect your credit score and there’s no impact on your credit report.
Doctor Case Studies
Client Profile:
Dr. Patel, 39, a private cardiologist earning $420,000 annually through a mix of PAYG and company distributions. He owned his home outright and was looking to start building a property investment portfolio for long-term wealth and asset protection.
The Challenge:
Dr. Patel wanted to purchase two investment properties totalling $2.4 million while minimising personal risk and protecting future rental income from tax erosion. His accountant had recommended purchasing in a family trust, but he was told by another broker this structure would limit his borrowing capacity and require personal guarantees that he was uncomfortable with.
Our Strategy:
Structured the loans through two separate discretionary trusts with corporate trustees to ensure flexibility and asset protection
Used equity from his unencumbered home for the 20% deposits and purchase costs, without cross-collateralising
Chose a lender that accepted trust ownership with no personal income shading and did not require Dr. Patel to be a co-borrower, only a guarantor
Worked closely with his accountant and solicitor to align loan setup with his long-term tax strategy and investment plan
The Result:
Approved for two trust-held investment loans totalling $1.92 million
Structured to keep personal and trust liabilities separate
Interest-only loans with offset accounts for future flexibility
Preserved borrowing power for future investments or SMSF lending
Conclusion:
Dr. Patel turned dormant home equity into a strategic investment vehicle with minimal personal risk. With the right structures, team collaboration, and lender selection, doctors can build scalable wealth while protecting their assets and maximising tax efficiency.
Client Profile:
Dr. Nguyen, 34, an anaesthetist earning $360,000 annually through both hospital PAYG work and private billings via her medical company. She and her husband had purchased their family home 3 years ago but were now considering upgrading to a larger home while keeping their existing property as an investment.
The Challenge:
Dr. Nguyen wanted to upgrade to a $2.1 million home but wasn’t sure if they could afford it while retaining their current home. Their existing mortgage had not been reviewed in years, and her private income structure was being misrepresented by lenders, reducing their borrowing power. They were also unsure of the best structure for future tax efficiency and wealth building.
Our Strategy:
Revalued current home and refinanced to release $420,000 in equity
Structured the new purchase with 20% deposit plus stamp duty using equity from the existing property
Presented both her PAYG income and company earnings properly to maximise borrowing capacity
Set up the new home loan in joint names with offset accounts, and converted the old home loan to interest-only under investment purpose
The Result:
Approved for $1.68 million for the new purchase while retaining the existing property
Secured both loans on sharp rates with the right lender policies around company income
Existing home now generating rental income and tax deductions
Offset structure in place to reduce interest and maintain cash flow flexibility
Conclusion:
Dr. Nguyen successfully upgraded to her dream home while turning her old home into a tax-effective investment. By planning ahead with the right structure and strategy, she’s now positioned to grow her portfolio with greater tax efficiency and long-term control.
Who Are We?
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 medical professionals navigate the complexities of securing a home loan.Â
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 in the medical field, he is passionate about using that knowledge to simplify the process for medical professionals.
What Other Doctors Say About Us
Prefer A Scheduled Call?
Our Proven Process
Discovery
We discuss your situation, the goals you're wanting to achieve, and assess how we're able to help you.
Assessment
We review your documents, research solutions, and present the best options to you. Once you agree to proceed, we prepare your loan application.
Lodgement
We lodge your loan application and monitor its progress. Once approved, we assist with reviewing and signing your loan contracts.
Support
Once your loan has settled, you join the Zenith family! We provide ongoing support and review your loan to match your changing needs.
Why Choose Us
We’re not here to sell you a loan.
As a doctor, your time is limited, your income is complex, and your financial goals go far beyond your next home. You don’t need another mortgage broker who just chases the lowest rate. You need a strategic partner who can guide you through every stage of your career and beyond.
Here’s why doctors all across Australia choose us:
We Understand the Medical Journey
From internship to consultancy, public hospital to private practice, your financial world evolves rapidly. We know how to structure loans that grow with you, not hold you back.
We Build Around Your Income
Whether you’re PAYG, billing through a company or trust, or running your own clinic, we know how to present your income to lenders in the strongest light and structure your loans to optimise tax and flexibility.
We Collaborate With Your Team
Your accountant, financial planner, and lawyer shouldn’t work in silos. We bring them together, or recommend specialists if you need them, so your loan fits perfectly into your overall financial plan.
We Think Beyond This Loan
What if your next loan was already factored into this one? Our strategies are built with future investments, family planning, business growth, and eventual financial freedom in mind.
We’re With You for Life, Not Just for Settlement
We don’t disappear after your loan settles. We review your lending bi-annually, keep you ahead of market changes, and proactively look for ways to save you money, increase your borrowing power, or help you invest smarter.
We Respect Your Time
You don’t need to chase paperwork, get stuck on hold, or deal with bank jargon. You’ll have a direct line to your dedicated lending advisor who handles everything for you clearly, efficiently, and on your schedule.
We Offer a Private, Professional Experience
Your financial life deserves discretion, care, and expert attention. With us, you get a direct relationship with a lending advisor who takes your privacy and professionalism seriously. No call centres, no outsourcing, just real service.Â
Some of Our Lenders
The Zenith Difference
 |
Banks | Other Mortgage Brokers | |
|---|---|---|---|
| Negotiate your rate multiple times annually |  |
 |
 |
| Access to over 50 different lenders | |
|
|
| Access to over 1000 different loan products | |
|
|
| Free detailed property reports | |
|
|
| 100+ 5-star Google reviews | |
|
|
| Services are free of charge | |
|
|
| Fully managed end-to-end process | |
|
|
| Available 7 days a week, Australia-wide | |
|
|
| Priority status with banks for quick outcomes | |
|
|
| Expert guidance and advice | |
|
|
Frequently Asked Questions
Partnering with a mortgage broker like Zenith can significantly streamline your home loan journey. We provide expert advice on loan products carefully tailored to your unique financial situation. By handling the legwork, comparing multiple options, managing paperwork, and negotiating better terms, we save you valuable time and help identify potential hidden fees. As we are not tied to any single lender, we can select the best loan for your needs, ensuring you secure the most suitable deal. Additionally, we proactively review your interest rate multiple times per year to ensure you remain on the most competitive rate available, maximising your savings and giving you long-term peace of mind.
Our services are provided at no cost to you. We receive compensation directly from the lender you choose once your loan is settled, ensuring that you can explore your options without incurring any upfront fees.
Each lender has unique criteria and requirements that must be met before they approve a loan. Our team takes the time to thoroughly analyse your credit history, income situation, and the specific strengths and weaknesses of your financial circumstances. This allows us to match you with the most suitable lender and loan package tailored to your needs. Our experienced professionals will provide you with comprehensive information, ensuring you have everything necessary to make an informed decision.
To begin, we’ll work closely with you to understand your goals and objectives. We’ll then gather and review all necessary supporting documents to ensure we have a comprehensive understanding of your situation. Once we have sufficient information to make a personalised recommendation, the next step will depend on the chosen lender’s processing timeline. This can vary from several weeks to a few months, which is why we strongly advise initiating the process as early as possible, especially when it comes to property purchases, where timing can be crucial.
You may not always qualify for financing from a specific bank. After assessing your unique situation, we’ll work to find you the lowest possible interest rate from eligible lenders. While interest rates are important, they’re just one piece of the puzzle. We’ll also help you consider all other fees and features associated with each loan option, ensuring you have a complete understanding of your choices and can make an informed decision that best suits your needs.
Typically, lenders require a minimum deposit of 5% of the property’s purchase price to secure a home loan. However, in some cases, it may be possible to proceed with a lower deposit. Keep in mind that if your deposit is less than 20% of the property’s price, you may need to pay Lenders Mortgage Insurance (LMI), unless you qualify for an LMI waiver or apply for a family guarantee. Contact us to explore your options and determine the best approach for your situation.
We have successfully helped thousands of doctors