Finance for Doctors Made Simple

Intern, resident and registrar. Your payslip understates your future, and the right lenders know it. Medico policies frequently include doctors in training, with income assessed on trajectory rather than just current earnings. Early career is when the deposit and LMI advantages are biggest.
Fellow. Income steps up, and so do your options: upgrading the home, replacing the car, restructuring debts that made sense as a registrar but do not any more.
Consultant and specialist. Private billings, multiple income sources and entity structures can confuse a generalist lender. Presented properly, they support larger, better-structured lending for homes, investment property and super. Specialty-specific detail lives under finance for medical specialists.
Practice owner. Buying in, starting up or expanding, with goodwill lending of up to 100% available on practice purchases, plus fitout and equipment funding that protects your cash flow.

Medical incomes are stable, in demand and grow predictably, so lenders offer real policy concessions to win them. Most banks do not advertise these settings, and no single bank offers all of them. They are unlocked by knowing which of the 45+ lenders applies which policy to which stage of a medical career. That is the job of a specialist.

Eligible doctors can typically borrow up to 95% LVR with no LMI, with income assessed on trajectory rather than just payslips. Whether it is a first home, an upgrade or an investment property, lender choice and income presentation decide the outcome. See the full guide to a home loan for doctors, including who qualifies and how the application runs.

The step into ownership is the biggest financial move of most medical careers, and the most misunderstood by generalist lenders. Up to 100% goodwill lending is available on practice purchases, and fitout and acquisition loans can be structured so the practice funds its own growth. Start with medical practice finance to see how purchase, startup and expansion lending works.

Ultrasound, imaging, procedure rooms, IT: clinical equipment should generate revenue before it drains capital. We work with you, the equipment supplier and specialist lenders to match the funding structure to the asset. See medical equipment finance for structures and how approvals run.

Leases, novated leases and chattel mortgages each land differently depending on whether the car is personal, practice-owned or salary packaged. A specialist will structure it once, properly. See car finance for the options.

Doctors with self-managed super often use it to buy their practice premises. SMSF lending is a complex area with strict rules, and structure matters as much as rate. See SMSF lending for how we work alongside your accountant and advisers. We arrange the lending; we do not provide financial advice.

1. Today: talk to a specialist. 15 minutes on your situation and goals. No credit check, no cost.
2. Within 48 hours: your lending strategy. Which lenders fit your stage, what you can borrow, what it costs.
3. Application to approval. We package, submit and chase. Timing depends on the lender and the deal, and you will always know where things stand.
4. Beyond settlement. Careers change and loans should keep up. We stay your specialist for the loans that come after.