Home Loans made for you

Lenders compete for the medical community. Incomes are stable, careers follow a predictable trajectory, and the long-term value of a medico client to a bank is high. That competition shows up as policy: LMI waivers, higher LVRs, income assessed on trajectory rather than just payslips, and flexibility around recent job moves, fellowships overseas or a newly opened practice. Almost none of it is advertised. It is unlocked by knowing which lender applies which policy to which profession, and that is the job of a specialist, not a comparison site.

Eligible medical professionals can typically borrow up to 95% LVR with no LMI, which on most properties means the difference of tens of thousands of dollars kept in your deposit or offset. Rate matters too, but the structural savings usually matter more, and the cheapest advertised rate is frequently not the cheapest loan.

Doctors, dentists and vets are the most widely covered, and many allied health professions qualify with specific lenders. Fixed rate, variable, offsets, redraw, investment or owner-occupied: the product menu is the same as everyone else's, but the policy settings underneath it are not. Whichever profession you are in, the process starts the same way: your registration, your career stage, and the lenders whose policy covers both.

Deposit. Typical bank: 20% deposit on an $800,000 home is $160,000. The MedX Finance way: 5% deposit is $40,000. Around $120,000 less to get into the same home.
LMI. Typical bank with a 5% deposit: roughly $31,000 in LMI. The MedX Finance way: $0. (Illustrative, as at July 2026.)
Extras. Lender cashbacks can often be stacked with medico benefits, so the profession policy and the public offer are not either-or.
Illustrative examples only, not financial advice. Eligibility, rates, LMI and terms depend on your circumstances and lender criteria.

Each profession has its own lender policies, eligibility quirks and career-stage questions, so we have written a dedicated guide for each.

Doctors

From intern to consultant, LMI waivers and trajectory-based income assessment are at their strongest. Read the full guide: home loan for doctors.

Dentists

Lender policy for dentists differs from doctors in eligibility and income treatment, especially for practice owners. Read the full guide: home loans for dentists.

Vets

Veterinarians qualify for medico-style policies with a smaller pool of lenders, which makes lender selection the whole game. Read the full guide: home loans for vets.

Allied health

Physiotherapists, pharmacists, optometrists, psychologists and other allied health professionals can access profession-based lending benefits with specific lenders, though coverage varies more than it does for doctors, dentists and vets. There is no one-size answer here, which is exactly why a call is worth 15 minutes: we check your profession against current lender policy and tell you what you qualify for. See also finance for allied health.

Plenty of our clients talk to us long before a loan exists: weighing a practice purchase, planning a fitout, or working out what their career unlocks. That early thinking costs nothing and is some of the most valuable work we do. And when you are ready to move, it runs like this:
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 profession and 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. Approval to keys. We coordinate with your conveyancer through to settlement, and stay your specialist for the loans that come after.