HOME LOANS FOR DOCTORS AND DENTISTS
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Reviewed by Christian Tucker, Credit Representative 549381, and the AGFB specialist team · October 2026 · How we check our information
If you are a doctor, specialist or dentist, some lenders may lend a higher share of the property’s value without lenders mortgage insurance, and assess your income with your training and career path in mind. Policies differ between lenders and change often. Christian Tucker is a Brisbane-based broker who compares lenders from the AGFB panel and manages the application through to settlement.
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Brisbane-based, assisting medical and dental professionals Australia-wide by phone, video and secure online documents.
WHAT WE ARRANGE FOR DOCTORS AND DENTISTS
Home Loans with LMI Waivers
Lenders that may waive lenders mortgage insurance for eligible medical and dental professionals.
Interns, Residents and Registrars
Lenders that look at your contract, award rates and overtime while you train.
Specialists and Practice Owners
Private practice, partnership and service-entity income, assessed with your accountant’s figures.
Investment Property
Investment loans structured around your income, existing debts and plans.
Luxury and Prestige Cars
Finance for prestige, luxury and high-performance cars, new or used.
Practice Fit-Outs and Equipment
Medical and dental equipment, practice fit-outs and practice vehicles.
LMI WAIVERS FOR MEDICAL AND DENTAL PROFESSIONALS
Lenders mortgage insurance usually applies when you borrow more than 80% of the property’s value. Some lenders may waive it for eligible medical practitioners and dentists who borrow above 80%. Each lender sets its own maximum and its own eligibility rules.
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Eligibility depends on the lender: usually current AHPRA registration, sometimes a minimum income or a stage of training. We check which lenders currently accept your registration and stage before you apply.
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What lenders publish, checked 28 October 2026
Westpac, St.George, BankSA and Bank of Melbourne: up to 95% of the property’s value with no LMI for GPs, hospital doctors, medical specialists and dentists, with no minimum income.
BOQ Specialist: up to 90% with no LMI for doctors, dentists and vets.
NAB and CommBank: offer waivers for eligible medical professionals but don’t publish the limit on their websites.
Taken from each lender’s own website. Policies change, conditions such as maximum loan sizes apply, and this isn’t a recommendation of any lender.
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Don’t apply to the banks one by one. Each application can leave a credit enquiry on your file. Christian checks which of these lenders suits your profession, stage and income first, then applies once, to the right one.
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Related: First home buyers · Prestige home loans · Investment loans
HOW LENDERS READ MEDICAL INCOME
Hospital doctors are often paid a base salary plus overtime, penalty rates and allowances. Some lenders count more of this than others, particularly early in a contract.
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Rotations, a move between health services, or the step into private practice can change how lenders view your income. We plan the timing of your application around those changes.
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For specialists and practice owners, lenders look at business and personal tax returns. We identify the lenders whose policy suits how you are paid.
PRACTICE FIT-OUTS, EQUIPMENT AND CARS
Medical and dental equipment, practice fit-outs and practice vehicles can often be financed through equipment finance, with the asset as security. Prestige and luxury cars are assessed on the car’s age and value and on how it is bought.
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Related: Prestige and luxury car finance · Equipment finance
HOW IT WORKS
01
A Conversation
By phone or video. We talk through the property or asset, your plans and your finances.
02
Comparison and Explanation
We compare suitable lenders for the property or asset, and explain the structure and costs before anything is lodged.
03
Through to Settlement
Documents are handled through secure online upload, and we manage the application with you and the lender through to settlement.
ILLUSTRATIVE SCENARIO
Illustrative only. This is not a client case. Every application is assessed on its own facts.
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Moving into Practice Ownership
A dentist buying into a practice wants to upgrade their home in the same year. We compare which lenders would assess the new income, whether an LMI waiver is available, and how to structure the home loan alongside fit-out finance. Each application remains subject to lender assessment.
ONE BROKER FOR THE WHOLE PICTURE
Your home loan, investment property, practice equipment and car finance often affect each other. We look at them together, so one application does not limit the next. We set out the options and trade-offs before any application is lodged.
Estimates only, not a quote or loan approval.
COMMON QUESTIONS FROM DOCTORS AND DENTISTS
Do I need to be a specialist to get an LMI waiver?
Not always. Some lenders accept interns, residents and registrars, while others want specialist or general registration first. We check current policy before you apply.
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Do dentists qualify as well as doctors?
It depends on the lender. Each lender sets its own list of eligible professions, so we check whether yours is accepted before you apply.
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Can lenders count my overtime?
Often, yes, though some count only part of it or want a longer history. AGFB is based in Brisbane QLD and works with medical and dental professionals Australia-wide by phone, video and secure online documents.
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Can you arrange car finance as well as the home loan?
Yes. Prestige and luxury car finance is one of AGFB’s specialist areas.
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How are you paid?
Our Credit Guide sets out how we are paid, including any fees, before we provide credit assistance. Read our Credit Guide.
TELL US WHAT YOU ARE FINANCING
Choose the enquiry that fits: home loan, equipment or vehicle. Not sure which? Start an enquiry and we will come back to you to arrange a time. Prefer to talk now? Call 0447 654 321. No credit check to enquire.
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This page is general information only and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Approval is at the lender’s discretion.