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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Tim H.Approaching the home loan process we were unsure whether to engage a mortgage broker to assist but we're so glad we did. Liz was great - she and the team were really thorough in helping us plan our finances and relentless in following-up the banks. The timing on our settlement could easily have gotten complicated but Liz was all over it. Excellent service, very happy to recommend to anyone. -read moreread less Evelyn T.We have Liz in the last 7 years to help us with all our finance needs. She’s very detailed, thorough and very quick in processing the loan documents. She was very good at guiding us throughout the whole process and made us confident with any big decisions we made. Go to Liz with all your finance related needs and you won’t dissappoint! -read moreread less Hanny W.We have used Liz as our mortgage broker for many years. We have refinanced many time and Liz always gets us the best rate. On top of that Liz is always proactive, always on the look out and will touch base when she thinks there is a better rate and plan around for us.
She is very professional, extremely organised and very prepared for all our meetings. Always approachable and very responsive.
I have recommended Onsite Finance to many of my friends and family. -read moreread less - Emma L.As first home buyers, the process of getting a mortgage can be quite daunting. Liz was so helpful and diligent the whole process. Always on top of things and so lovely. We could not recommend her more! -read moreread less Maria P.We are very pleased with the service provided by Norman from OneSite Finance. Norman made our first home buying process a breeze through briefing us with the buying process, and applying for the loan and completing all necessary paperworks on our behalf. He assisted us with setting realistic goals and made recommendations that would suit our circumstances. Norman is always happy to answer any of our questions and easily contactable through both phones and emails.
Thank you very much from the both of us,
Maria & Sunil -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 - Please D.Liz provided an excellent service as our broker allowing us to purchase our first home. She made the process so easy to follow. I especially liked how she actively chased all the parties to make sure we had a quick purchase. I have recommended her to friends and family colleagues and will use her again when the time comes. Thanks for everything -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 Victor M.We had vendor's condition to settle by the end of financial year and we had less time than usual for the settlement process (during the busiest period - end of financial year). I don't think that would've been possible without Norman. He was not only doing his part - sorting out finances, but also took personal responsibility to make sure we settle on time. Besides his job he was also monitoring conveyancer's team progress and liaising with the lender.
We felt Norman's support, guidance and assistance throughout the process.
Norman is very friendly, approachable, knowledgeable, well organised and diligent. Big thanks to Norman! -read moreread less - lachlanbjWe could not have been any happier with the service we received from Liz at Onesite. Liz helped us with the purchase of our first home, she made sure we were getting the best rates and government incentives possible. We purchased at a time where there were changes happening constantly with grants and she made sure we received the full benefits. She truely is dedicated to her clients and really does go above and beyond. Her knowledge and experience in the industry is exactly what everyone needs when purchasing a first home or any property for the matter. Thank you again Liz, L and N. -read moreread less A G.Liz is a super efficient and helpful broker. She was available 24/7 to answer any of our questions which I am sure you will not be able to find anyone more attentive to their client needs! From the beginning of the process up to settlement I did not have to worry at all as Liz has dealt with everything in a super efficient manner. Thanks for all your help Liz, we really appreciate and we will definitely use Liz again in the future! -read moreread less Lara V.Working with Liz for the purchase of our first property has been a great experience and I’d recommend Onesite Finance to anyone looking to do the same. Liz is extremely detailed and knowledgeable, and has had our best interests at heart every step of the way. Thank you so much for everything Liz and team! -read moreread less
- Bertrand G.We have been in touch with Liz and OneSite for more than a decade now. Liz has always been excessively professional and responsive. She has very recently helped us taking equity out to buy another property, assisting us with the finance of the new property and refinancing our existing loan as well. We have been absolutely delighted with her service. Her knowledge, her expertise and her attention to detail can never be faulted. She has genuine interest in achieving the best for us. I’d happily recommend her to anyone seeking a trusted mortgage broker. Thank you Liz! -read moreread less Ron C.It was a pleasure to work with Liz and the team from OneSite Finance. Liz assisted in refinancing our mortgage and was excellent in explaining the various alternatives and strategies we could pursue to best manage our position.
The support received from the OneSite Finance team far exceeded our expectations, and they provided a stress free professional experience from start to finish.
I cannot recommend Liz and the Onesite Finance team highly enough. -read moreread less Chelsea M.As a first time home buyer, Liz and One Site Finance could not have been more helpful.
Liz was so committed to making sure my home purchase went smoothly and that I was fully informed of all necessary information at all stages of the process.
The team at one site finance maintained constant communication and provided quick responses to any questions I had.
I was extremely happy with my choice of mortgage broker and have already recommended their services to friends and family.
I will be using One Site Finance for all future consultations/purchases. -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
