Home Loans for Doctors
Registration — Medical Board of Australia
Doctors in Australia must be registered with AHPRA under the Medical Board of Australia to practise. Registration type (general, specialist, limited, provisional) may affect lender eligibility.
Professional Lending — What May Be Available
Many lenders offer LMI waiver policies for eligible registered doctors, allowing you to borrow at a higher loan-to-value ratio without incurring Lenders Mortgage Insurance. For eligible borrowers, this can represent a meaningful reduction in the upfront cost of purchasing property.
Professional loan packages with competitive rate structures may also be available, subject to lender policy and your individual circumstances.
LMI waiver and professional lending policies are set by individual lenders, vary across our panel, and are subject to change. Eligibility depends on your AHPRA registration status, income, loan amount, and the lender’s current credit policy.
Income Structures We Work With
Doctors work across a variety of income arrangements. Tiger Mortgage works with:
• PAYG salary from public hospital or private hospital employment
• Private practice income (ABN, company, or trust structures)
• Locum income — agency-based or direct contracting
• Combination of PAYG and private practice income
• Salary sacrifice arrangements common in public hospital employment
• Overseas-trained doctors in various stages of Australian registration
Why Tiger Mortgage
Raymond Liao is a CPA-qualified mortgage broker with a broad panel of lenders across the major banks, second-tier lenders, and specialist lenders. His accounting background means he understands how lenders assess complex income structures — private practice income, trust distributions, partnership arrangements, and company payroll — in ways that directly benefit professionals with non-standard remuneration. Tiger Mortgage operates from offices in Chatswood (NSW) and Robina Town Centre (QLD) and provides services nationally. Raymond is fluent in English and Mandarin.
Frequently Asked Questions
Do registrars and interns qualify for professional lending programs?
Some lenders extend professional lending policies to registrars and interns with current AHPRA registration. Eligibility varies by lender — contact us to assess your specific registration type and situation.
I earn income through my own medical practice — how is this assessed?
Private practice income is assessable by lenders, typically requiring business financial statements and tax returns. The specific documentation requirements vary between lenders. Raymond Liao’s CPA background means he understands how practice income is structured and how to present it accurately.
What is Lenders Mortgage Insurance and how does an LMI waiver work?
LMI is insurance that protects the lender when a borrower has a deposit below a certain threshold. It is a cost to the borrower, not to the lender. Some lenders waive this cost for eligible professionals. Whether you are eligible, and on what terms, depends on your specific situation and the lender’s current policy.
Book a Free Consultation
Contact Tiger Mortgage to discuss your situation and explore the home loan options available to doctors. There is no cost for an initial consultation — we are paid by lenders only when a loan settles.
Also see: home loans for dentists | home loans for pharmacists | home loans for physiotherapists | medical professionals — see our other professional lending pages.
General information only — this page does not constitute financial advice, credit advice, or a recommendation of any particular product. All information is subject to change without notice.
Loan eligibility, interest rates, LMI waiver availability, and other lending conditions are determined by individual lenders based on their current credit policies and your personal circumstances. Lender policies may change at any time. Tiger Mortgage makes no representation that any particular product, rate, or benefit will be available to you.
Tiger Mortgage Pty Ltd holds Australian Credit Licence 389087. Raymond Liao holds Credit Representative Number 532909 authorised under ACL 389087.
Mortgage brokers receive remuneration from lenders in the form of upfront and trail commissions when a home loan is settled. A commission disclosure will be provided to you before any credit assistance is given.
We recommend you seek independent financial, taxation, and legal advice appropriate to your personal circumstances before making any financial decision.