Attention Doctors, Specialists & Medical Professionals
Home Loans For Doctors
5-Star Independent Advice on Home Loans For Doctors. Over 300 Reviews at an Average of 5-Stars
We Work With a Panel of 40 Lenders
How does OneSite do Home Loans for Doctors
We'll Negotiate "Doctor Only" Interest Rates, Often Not Available To The Public
Experienced Team With a 99.9% Loan Application Approval Rate
Borrow Up To 95% Of The Property Value Without LMI
Award Winning Mortgage Broker for Doctors
OneSite Finance has been helping Doctors, Specialists and Medical Professionals with their Home Loans since 2005. In that time, we've won many accolades
Save $65,340 On Average With OneSite's Home Loans For Doctors
We Help Doctors Access Special Home Loan Discounts Not Available To the General Public
We Work For Doctors. NOT The Banks
Special Interest Rates
We will negotiate special "Doctor Only" rate for you, backed by a 99% loan application approval rate. We negotiate the most suitable deal for you, with discounts below the bank’s advertised rates where available *
Waived LMI
As a medical professional, your Lender's Mortgage Insurance (LMI) and loan setup costs may be waived by some Lenders *
For an $1,000,000 home loan with a 95% Loan to Valuation Ration (LVR), this can save Doctors an average of $50,000!
No Or Reduced Annual Fees
On average, every home loan attracts a setup fee of $300, and an annual fee of $400 - $500. We can negotiate on your behalf to have these fees waived or reduced, saving you up to $12,000 over the term of a typical home loan.
Home Loan Policy Experts
We know you are busy. And tired. We aim to simplify the home loan application process for doctors. We handle all the paperwork and liaise with lenders on your behalf, allowing you to focus on your duties while we take care of the details. Our experienced team will ensure that your loan application is processed smoothly, with minimal stress on your end.
Our goal is to make your loan journey as easy and hassle-free as possible, so you can spend your time doing what matters most to you. Our reviews and customer service going back almost 20 years speak for themselves.
Home Loans for Doctors - The Process
You'll Speak To One Of Our Mortgage Brokers
We understand you're busy. We can come to you or do everything over the phone/online. We usually contact you within 10 minutes of enquiring during business hours
We'll Shop & Negotiate On Your Behalf
We shop around and make the banks fight for your home loan. We do this without a credit check being completed to keep your credit record untouched until lodging a loan application
We Present You With The Available Options
Once all options are analysed, We will walk you through a detailed comparison of the most suitable Doctor only home loan options available from our panel of 40 Lenders.
You Get Your Home Loan Approval
Once you're happy, we get some documents off you and submit your loan for approval. We will guide you at every step of the entire home loan process.
We ultimately work for you.
Who Qualifies for Doctor Only Home Loans
Employment
You have to be currently employed as a General Practitioner, Specialist, Dentist, Pharmacist, Psychologist, Optometrist, Vet or other Medical Practitioner
Registration
You need to be currently registered with one of the professional bodies such as the Australian Medical Association (AMA), the Australian Health Practitioner Regulation Agency (AHPRA) or similar bodies
Citizenship
You or your partner need to be an Australian Citizen or Permanent Resident to qualify. We can also help foreigners and temporary visa holders with home or investment loans
What Doctors Say About OneSite Finance
We've helped many Doctors in the past. We understand how busy you are. Here is what our customers, both Doctors and lay people have had to say about our Mortgage Brokers and our service
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Frantiska S.Liz and her team have been an absolute pleasure to work with during my journey as a first-time homebuyer. Their level of support and assistance was exceptional. Liz helped me select the most suitable home loan option and guided me through each step of the home purchase process. I also greatly appreciated Liz's availability whenever I had any concerns or inquiries. Thank you Liz for all your help! -read moreread less Ljiljana K.Liz made my journey of purchasing my first property significantly less stressful for me then it would otherwise be. I fell really confident that she has my best interest in mind. She was extremely patient with endless numbers of questions I had and with me changing my mind several times about how much money I want to borrow and under which conditions. She also gave me some tips on other things related to buying property in general that made make better and informed choices.
I will definitely be back when I decide to buy my next property and would highly recommend OneSite to anyone else. -read moreread less luke b.I have been a client of OneSite Finance since 2010 , Liz and the team have always been amazing to deal with. Liz have gotten me great deals on multiple loans over the years and goes out of her way to continue to ensure i have the best interest rates possible throughout the life of the loan. I would highly recommend their services. A big thanks to Tram as well as she was amazing to deal with throughout the process. -read moreread less - MikeLiz from OneSite is incredible. After having her help us find a mortgage that is right for us, I am actively recommending her to my friends and family because I know how valuable her help is. -read moreread less Tara T.I was recommended to Liz by a family friend and could not have been happier. Liz and the team were instrumental in guiding me during a tumultuous first home purchase. They were highly responsive, answered my questions patiently, navigated various calculations on my behalf, leant in to conversations with my solicitor, negotiated rates to find the most suitable lender, and ensured a smooth and timely loan settlement.
Liz was also there coaching me through a complicated application process, which I would have needed to repeat without her help.
I had a consistent feeling that the team were there to support my best interests and would be happy to go with them again for any future purchases. -read moreread less Magdalena D.We can say confidently that One Site is The Best Mortgage Finance Company, and Liz is the Best Mortgage Broker! We have known Liz since our first property purchase in 2011. Since then, we have always depend on her on all our mortgage needs. We never have to worry about anything as we trust Liz always do the best thing for us. Liz is very efficient and always get back to us promptly whenever we need her advice. All of her explanations were very clear, and we were provided with options. She also travelled to meet us during the weekends, which we really appreciate very much. She provides us with the best services and we have built our friendship for many years. One Site also run Property Workshops which we would recommend anyone to join them as they are very informative and useful. We thank Liz and her team for their assistance and will always recommend One Site to anyone. -read moreread less - Tim S.Liz has made the entire process of getting a loan to be hassle free and as easy as it can be. Her dedication and work ethic has made the application submitting less stressful and the loan approval rapid. -read moreread less Clarence N.We found our perfect new home and bought it. Then as soon as we tried to sell our existing property the market crashed hard and interest rates went up fast!
Liz helped us through a long, stressful and very complex process in a constantly changing market. In the end she managed to get us a great result, way better than we were expecting.
To say that Liz's hard work and dedication was crucial would be an understatement. She was always available to discuss our changing needs and left no stone unturned to achieve exactly what we needed.
We have worked with several mortgage brokers over the years and Liz is by far the best. If you are looking for somebody who is trustworthy and dedicated then give Liz a call. -read moreread less Nando T.Liz was without a doubt an absolute pleasure to work with.
She listens to what your needs are and finds the best possible solution.
For my wife and I - Liz made the whole process of purchasing our investment property so much easier. Liz and her team at OneSite Finance provide an excellent service. Liz is always responsive to calls and emails along with continuous updates along the way, and she just made things really easy.
Liz is a true professional and very knowledgeable mortgage broker. Why deal with the banks when you can get quick personalised service.
My wife and I will be highly recommending Liz to all our family and friends.
Give Liz and the OneSite Finance team a call today... -read moreread less - Raymond S.Just had a mortgage refinance completed smoothly. Norman Suryadi is very patience, helpful, professional and informative. Would highly recommend him. Happy with his service. -read moreread less Cassandra K.We thoroughly enjoyed working with Liz at OneSite and would absolutely recommend, especially if you are a first home buyer.
We looked at a few options for a mortgage broker before settling with Liz, and we are so happy with our choice. She ensured we were educated and well prepared for the loan application as well as the application for the First Home Buyer Deposit Scheme. But her service was next level - fitting in online chats when we needed and always made herself available. A great all round experience for us. -read moreread less Kenny T.My wife and I have been have used Onesite for last 10 years for all our property purchases and sales (home owner and investment). The service provided by Liz and her team is exceptional from start to finish.
Impartial advice and guidance at the start of the process followed by seamless and extremely efficient service & continued guidance throughout the process.
Amazing and could not recommend highly enough! -read moreread less - Rex H.Liz is one of the most professional and results-driven financial service provider I've ever worked with.
My partner and I applied for a new home loan via Liz. From initial consultation, to approval and settlement, the whole process was project managed by Liz and as a result, it was relatively painless. Communication from Liz is also second to none as she is very responsive. When we needed to come in and sign documents, she was also very flexible with timing. Liz was also a very tough negotiator with the bank and was able to provide a VERY enviable rate on our home loan with CBA with is comparable with smaller lenders.
She is truly a delight to deal with and can really trust her to help navigate through an otherwise very cumbersome and time-consuming part of a home buying process. -read moreread less Leah D.Five stars is not enough! Liz and OneSite was recommended to my husband and I and we are so grateful that we heard about them. Liz and her team at OneSite made buying our first home an easy experience and it really helped in this process.
I would recommend OneSite to everyone - first home buyers, experienced buyers and every one else. Thanks Liz, I look forward to coming to you in the future with our home loan needs. -read moreread less Simon C.We were fortunate to have Liz Zaki and the OneSite Finance team recommended to us by close friends, but it's easy to see why they did recommend her. As first-home buyers, we found the process seamless thanks to Liz. She tailored options to our needs and got us great rates.
Communication was effortless, and Liz was always there to answer any questions. What really sets her apart is her genuine desire to help, offering invaluable advice beyond just brokering a deal.
If you're in need of a mortgage broker, look no further. Liz and her team are the gold standard. -read moreread less
Frequently Asked Questions: Home Loans for Doctors
At OneSite Finance, our mortgage brokers offer tailored, around-the-clock service to ensure you secure the best deal available. With 19 years of experience and multiple awards for customer service, we specialise in home loans for Doctors, ensuring you get maximum value and a stress-free experience.
We know you're busy, and we strive to make sure you are well looked after both when looking for a home loan, as well as during our award winning annual review process.
Yes! Doctors are often eligible for LMI waivers, allowing you to borrow up to 100% of the property value without the extra cost.
To qualify, you must be registered with AHPRA or a similar professional body, you or your partner must be an Australian Citizen or Permanent Resident, and you must be currently employed.
The following Doctors and Medical Professionals qualify for "Doctor Only" Home Loans:
- Anaesthesiologists
- Anaesthetists
- Cardiologists
- Cosmetic Surgeons
- Dentists
- Dental Surgeons
- Dermatologists
- Doctors, Intern Doctors & General Practitioners
- Epidemiologists
- Endocrinologists
- Gastroenterologists
- Gynaecologists
- Immunologists
- Medical Resident
- Medical Registrar
- Neurologists
- Obstetricians
- Oncologists
- Ophthalmologists
- Orthodontists
- Paediatricians
- Pathologists
- Pharmacists
- Plastic Surgeons
- Radiologists
- Rheumatologists
- Surgeons
- Urologists
If you meet the criteria, speak with one of our senior Mortgage Brokers to explore your options.
Doctors are busy professionals with limited time. Our experienced brokers at OneSite Finance can streamline the process, saving you from the hassle of negotiating with multiple lenders.
We have access to over 40 lenders and can secure exclusive rates and discounts specifically for doctors, whether you’re in Sydney or anywhere across Australia.
Doctors benefit from special home loan discounts, including waived Lender's Mortgage Insurance (LMI) and lower interest rates.
We will also negotiate to reduce or often waive your annual home loan fee which is anywhere between $400-500 for every year you keep your home loan with us, potentially saving you upwards of $12,000 over the life of an average home loan.
Doctors, dentists, surgeons, and a broad range of medical specialists are typically eligible for LMI waivers.
The following doctors and medical professionals are eligible for LMI Waivers and other "Doctor Only" home loan deals:
- Anaesthesiologists
- Anaesthetists
- Cardiologists
- Cosmetic Surgeons
- Dentists
- Dental Surgeons
- Dermatologists
- Doctors, Intern Doctors & General Practitioners
- Epidemiologists
- Endocrinologists
- Gastroenterologists
- Gynaecologists
- Immunologists
- Medical Resident
- Medical Registrar
- Neurologists
- Obstetricians
- Oncologists
- Ophthalmologists
- Orthodontists
- Paediatricians
- Pathologists
- Pharmacists
- Plastic Surgeons
- Radiologists
- Rheumatologists
- Surgeons
- Urologists
If your medical profession is not listed, contact our senior brokers, and we’ll confirm your eligibility quickly.
In short, doctors are considered low-risk borrowers due to their stable, high-income careers.
This low risk makes banks eager to offer competitive rates and favourable terms for home loans tailored specifically for doctors.
Depending on your financial situation, you could benefit from no LMI, the ability to borrow up to 100% LVR, or even both.
Discounts vary by lender and market conditions, so it’s best to consult with a mortgage broker to get the latest available offers.
We see a lot of doctors who deal with a single Bank. Often times they miss out on better deals because their Relationship or Wealth Manager can only provide the home loan options that their Bank has.
A broker like OneSite Finance is able to cross-shop and to compare home loans across 40 lenders.
Yes, with select lenders, doctors can borrow up to 100% without a guarantor.
This typically involves splitting the loan into a 95% standard home loan and a smaller loan for the remaining 5% and associated costs.
Speak with our mortgage brokers for specific details and eligibility criteria.
Most lenders on our panel accept various income structures common among doctors when they assess them for home loans. These include:
- Base PAYG salary
- Casual income
- Overtime
- Self-employed earnings
However, specific requirements may vary by lender, so it’s crucial to get expert advice from one of our experienced mortgage brokers.
On average, we save doctors around $12,000 over the life of an average home loan by waiving or discounting the annual home loan fee.
On the whole, we can save tens of thousands of dollars through securing the best available "doctor only" rates, waived LMI and other special offers such as cashback deals. When combined, these could add up to $60,000 plus on the average Sydney home home loan!
Our expert brokers pinpoint where you can save the most, whether it’s your first home, investment property, or a refinancing opportunity.
Absolutely! We negotiate with the big four banks - CommBank, NAB, ANZ, and Westpac - to secure the best home loan deals for Doctors and Medical Professionals.
Even if you’ve faced financial challenges, our brokers can often still secure a competitive rate for you.
To expedite your application, have your personal ID, proof of income (recent payslips or tax returns), and bank statements ready. Our brokers will guide you through the process, making it as simple and as quick as possible.
Yes, with 19 years industry experience, we specialise in getting the toughest home loans approved for Doctors and other Medical Professionals.
Our team has the expertise to navigate complex financial situations and secure favourable terms for you.
Yes, if you're married to a Doctor and applying together, you can qualify for the same benefits.
Consult with our senior mortgage brokers to confirm your eligibility.
We understand the urgency. Especially in a tight property market like Sydney.
Once you provide us with your financial details we need to do the comparison shopping, our mortgage brokers will return with your best home loan options within 48 hours typically.
This is a no obligation conversation with an expert Mortgage Broker. We'll typically contact you in 10 minutes during business hours
Why Do Sydney Doctors Use OneSite Finance For Their Home Loan Needs?
Choosing the right home loan can help you save thousands of dollars to enjoy now and invest and build wealth for your future.
Choosing the wrong home loan can burden you and your family with unnecessary financial pressure and slow your progress towards financial independence.
Hundreds of Home Loans to Choose From
Our independent Sydney based Mortgage Brokers will analyse your needs and compare hundreds of home loan products from our panel of 40 plus lenders. We cover the market including the Big 4, mid-tier banks, internationals and credit unions.
Your bank, as good as they may be, can only ever show you their in-house loan products.
Exceptional Lender Relationships
The Lenders treat our expert Mortgage Brokers as trusted partners. This allows us to:
- Negotiate better interest rates and bigger discounts than what is advertised or granted in branch
- Achieve faster turn-around times. This is a huge advantage in a market like Sydney
- Ask for upfront or discounted property valuations
- Negotiate and present challenging or non-standard deals
Structured to Save Tax
Our network of trusted professional advisors will help you structure your finances to legally save tax and give you greater cash flow to improve your lifestyle, reduce debt, and invest for the future.
It's amazing how the right setup can save you hundreds of thousands in tax - legally. Now and in the future.
Ongoing Yearly Reviews
Our customer services team will review your situation periodically to ensure you always have the most suitable home loan product. We will renegotiate with your current lender on your behalf to make sure you never pay more than you need to.
And if we find a more suitable loan product with a different lender, we'll look after all the paperwork.
2 Decades of Home Loan Expertise
Since 2005, we've helped 2,231 families purchase their first homes, invest in property, build newer or bigger homes and refinance existing home loans. We are here for our customers every step of the way.
Our mortgage brokers are some of the most reviewed mortgage professionals in Australia, with hundreds of real reviews from Sydney Home owners and investors on Google and Facebook going back over many years.
Your Local Mortgage Experts
OneSite Finance is all about the customer experience... When you call us, you will talk to a real Mortgage Broker in Sydney. Not an overseas call centre operator.
Our office is located on the Sydney CBD Fringe suburb of Surry Hills - a 5-minute walk from Sydney's Central Station. We can meet you there, or online. The choice is yours.
We all live in different parts of Sydney and are quite involved in a number of community service and charity initiatives.
Free Advice Without Obligation
Whether you’re thinking about buying a home or just want to make sure you are not overpaying on your current home loan, get in touch for a Free Home Loan Strategy Session. We can visit you at home, you can come to our office in Surry Hills, or we can meet online on Zoom. We will share with you our best ideas and advice. Ideas that are specific to your situation, 100% free.
We get paid a commission by the lender you select at the end of the process. All lenders pay the same amount of commission approximately.
Enquire Now
Discover how to get the right home or investment property loan and save years and thousands in repayments, fees and taxes
You'll Be Spoilt For Choice
With over 40 Lenders on our panel, you will be spoilt for choice when looking for your next home or investment loan
