Home Loans for Doctors & Medical Professionals
Better, faster finance for medical and allied health borrowers.
Waived LMI. Faster approvals. Loans structured around your career and income.
Home Loan Solutions for Doctors and Medical Professionals
At Tiger Mortgage, we specialise in home loans for doctors and medical professionals — helping busy healthcare workers unlock lender benefits they didn’t even know existed. Whether you’re salaried, self-employed, running your own practice or investing through a trust or SMSF, we’ll help you secure the right medical finance so you can focus on your career.
Residential Loans
If you’re ready to buy, invest or refinance, we’re ready to help. Explore our loan solutions >
Business Loans
Buying commercial property, medical equipment or a practice? We’re with you every step of the way. Find out what we offer >
SMSF Lending
Take control, with smarter lending through your self-managed super fund. Start your SMSF journey >
Skip the LMI — Home Loans for Doctors Come With Benefits
Home loans for doctors and eligible medical professionals can come with LMI waivers at deposits as low as 5% — meaning you may be able to borrow a higher proportion of the property value without paying Lenders Mortgage Insurance. Why? Because borrowers like doctors, specialists and nurses are considered low-risk, with high income, stable careers and strong financial habits. Banks want your business for the long term, so they’re willing to back you early. (Eligibility, deposit thresholds, and available LVR ratios vary by lender and are subject to lender policy and individual circumstances. Speak to us to confirm what you qualify for.)
Home Loans & Medical Finance That Evolve With Your Career
Why Doctors and Medical Professionals Choose Tiger Mortgage
- Access to specialist medical lending products from a panel of 40+ lenders
- CPA-qualified broker with deep understanding of medical income structures
- LMI waiver assessment at no cost — we confirm your eligibility at the first consultation
- Experience with complex income: salaried, locum, private billing, practice ownership
- Fast turnaround — we understand doctors are time-poor
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Complex Trust or Company Structure? We Handle It for Doctors & Specialists
Many medical professionals earn through company structures, service trusts, or a combination of salary and private billings. Standard bank templates often don’t do this income justice. We know how each lender assesses medical income and present your finances in the way that gives you the strongest borrowing outcome.
Eligible Professions
Our medical professional lending program covers a wide range of healthcare roles, including:
- General Practitioners and medical specialists
- Dentists and dental specialists
- Registered nurses and nurse practitioners
- Physiotherapists
- Optometrists
- Pharmacists
- Radiographers
- Allied health professionals (eligibility varies by lender)
Eligible professions and LVR thresholds vary by lender. Contact us to confirm your specific eligibility.
Home Loans for Doctors — Frequently Asked Questions
What is a home loan for doctors and how is it different?
Home loans for doctors are specialist mortgage products offered by select lenders that recognise the income stability and career trajectory of medical professionals. The key benefit is LMI waiver eligibility — meaning you may be able to borrow above 80% of a property’s value without paying Lenders Mortgage Insurance, potentially saving a significant amount depending on your loan size. (LMI savings are indicative only and depend on loan size, LVR, and lender. Actual savings will vary.) Some lenders extend this benefit to higher LVR ratios for eligible doctors and specialists, subject to lender policy and individual eligibility. Tiger Mortgage accesses these products directly from the lender panel — there’s no markup to you.
Can nurses and allied health professionals get an LMI waiver?
Yes — eligibility extends beyond doctors and specialists. Many lenders include registered nurses, nurse practitioners, physiotherapists, optometrists, dentists, pharmacists and radiographers in their medical professional lending programs. The exact LVR threshold and eligible professions vary by lender. We assess your profession against our full 40+ lender panel to find the best match for your situation.
How much can a doctor borrow for a home loan?
Borrowing capacity depends on your income structure, liabilities, and the lender’s assessment criteria. Doctors with PAYG income are typically assessed straightforwardly. For doctors with variable income, overtime, locum shifts, or private billings, we present your income in the way individual lenders assess it most favourably. The best way to understand your capacity is to book a free consultation — we’ll give you a clear number, not a range.
I’m a registrar/junior doctor just starting out — can I still get a home loan?
Yes. Many lenders include registrars and junior doctors in their medical professional programs. The LMI waiver is often available from the point of registration, not post-fellowship. Being early in your career doesn’t mean being locked out of property — in fact, starting early with the right loan structure can significantly accelerate your long-term wealth position. We help many doctors buy their first home or investment property during their training years.
