Home Loans Built For Medical
Professionals

Yes – in many cases, yes. And this is unique to Medicos!

Because we work exclusively with medical professionals, we have access to lenders that offer up to 100% LVR, meaning no deposit required. These policies aren’t typically advertised or available to the general public, which is why working with a specialist broker matters. We understand which lenders offer these benefits, and more importantly, how to structure your application to get it across the line. Even if it’s not 100% it is almost never the traditional 20% deposit required when working with MedX Finance.

No problem.

We’ve helped hundreds of junior doctors, contractors, PAYG employees and variable income medical specialists secure finance. Most banks would treat that as risky or inconsistent income, but we work with lenders who recognise the career pathway of medical professionals and know what’s coming next. We help position your application properly so your future earning ability is taken seriously, not overlooked.

Most brokers work for the transaction. We work for you.

Unlike traditional brokers or banks, we don’t just focus on getting you a loan, we look at your whole financial picture. Whether that’s your practice ambitions, investment strategy, SMSF goals, or long-term wealth plan, we structure lending that’s built around you, not just a rate or a product. We’ll work directly with your accountant if needed and make sure your future state is considered. We’re also not bound to any one lender.

We’ve built deep relationships across the market and know how to navigate complex scenarios, negotiate policy, and unlock better outcomes. That’s what sets us apart.

We can usually get pre-approval in as little as 24–72 hours, depending on your situation.

Because we know which lenders move fast, and what they need upfront, we avoid the back and forth that slows down most applications. If you’ve got all your documents ready, we’ll guide you through everything and push hard to get you pre-approved fast, especially if you’re looking to make an offer on a property or meet a settlement deadline.

No, our service comes at no charge to you.

We’re paid by the lender once you settle, not you. There are no upfront costs, no hidden fees, no extra charges from us, and you’ll never pay more by working with us. If you don’t go ahead with any product through us we will never charge a fee. That said we have a 98% approval rating so we’re confident we can deliver real value at no cost. What you get is a fully customised lending solution, designed around your goals and delivered by specialists who know the medical sector inside out. It’s a no-brainer.

Not as much as you think.

HECS-HELP debt is rarely a deal-breaker, especially for medical professionals. Most lenders don’t count it like other personal loans or credit card debt, but it can impact your borrowing power, depending on your income and repayment obligations.

The good news? We work with lenders who understand your earning trajectory and are comfortable with HECS as part of the equation. We’ll structure your application in a way that reflects your future income potential, not just your current position, whether you’re a junior doctor, a registrar, or an established specialist.

So yes, we factor it in, but no, it doesn’t stop us from securing great outcomes.