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
Our Loan Applications Have a 99% Approval Rate
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
Lender's Mortgage Insurance (LMI) And Setup Costs Waived
Reduced Or Waived Annual Home Loan Fees
Borrow Up To 100% 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.
Additional Cash Back Offers
Some lenders offer up to $4,000 in cash back on top of other specials! Others are happy to match outside offers in order to win your deal. This can mean thousands more in savings. We will do the research to find you the most suitable deal using our Panel of 40 lenders.
Your personal banker can only show you what your current bank offers.
* Certain conditions might apply like minimum loan size.
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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Emily D.Liz and her team were recommended to us by a friend. They assisted us in buying our first home. Liz is extremely knowledgeable about the industry. Liz shared all her tips with us and ensured we got the best deal we could for our mortgage and interest rates. We have already recommended Liz and Onesite to our friends. Thank you so much Liz!! -read moreread less Franky o.Liz has been very helpful with our mortgage needs, we are very thankful for all her assistance. She works diligently and efficiently and made smooth property purchases. I will definitely recommend Liz to anyone. -read moreread less Andrew C.Liz was absolutely fantastic helping me get my first home. She was recommended to me and by far one of the best decisions I could have made. She went well above and beyond to get the best rate and deal she could and gave me plenty of options to make sure the loans suited my needs. Liz made the whole process very easy and importantly she kept me informed and updated throughout the whole process - she knows her stuff. I couldn't recommend Liz high enough. -read moreread less - Anthony A.We have been working with Liz for over 10 years as a mortgage broker with loan financing and re-financing and I always appreciate her updates on market trends and new offers.
She recently assisted us again with purchasing an investment property and taking an equity loan out from our existing property.
She is always diligent, responsive and explains finance matters extremely well and the process with the banks. She makes borrowing easy and I would highly recommend her to any looking for finance or re-financing. -read moreread less Zander a.We have been dealing with Liz as a mortgage broker since we purchased our first home in 2005. Since then we have come to rely on her for our home loan needs including purchases, refinance and construction loans.
I would highly recommend Liz and OneSite as they have always found a better rate for us.
Their attention to detail in our applications have always resulted in a quick turnaround from the financial institutions with little or no questions asked. -read moreread less Sarah A.Liz has been amazing and so supportive of my husband and I on our journey to home ownership. We first made contact with Liz about 4 years ago and she came to our home and gave us a crash course on mortgages, home loans, offset accounts, repayments, and explained everything in easy, understandable terms. She guided us through years of preapproval applications and was patient with our property search. She is very responsive to emails and phone calls. We have attended a few of the workshops run by OneSite in their Surry Hills office and these have been extremely helpful. I'm so happy to say that we bought our first family home last year and could not have done this without Liz's support and guidance. We highly recommend Liz and the OneSite team, they are fantastic. -read moreread less - robert c.We have worked with several mortgage brokers and accounts before and I have to say no one has come close to Liz. Highly efficient, very dedicated to her profession and in our case this led to very impressive results. From the very beginning she helped us navigate the system and was engaged consistently throughout the process. Highly recommended! -read moreread less Melisa C.Norman Suryadi was outstanding in helping us to get a mortgage for our first home. He is a great broker with very good insight into the different/best alternatives out there for mortgages. We got the best rates possible! He was very friendly and efficient, and extremely helpful and patient with our frequent queries about products, features and processes. We will be referring any friends and family who are looking for a mortgage to Norman. -read moreread less Pelen J.Liz has been very helpful and extremely responsible throughout the process. I really appreciated how quickly she responded to my queries and followed through promptly. Thank you for your kind help! -read moreread less
- Jon H.Norman helped me find a home loan and secure my first property purchase. As a first-time homebuyer, I found Norman’s guidance and support extremely valuable. From the very beginning, Norman clearly outlined the entire buying process and was more than happy to answer any of my questions. I appreciated that he was easy to reach, even on weekends, which was a huge help since that's when I did most of my house hunting. It was reassuring to know I could reach out to him with any concerns or questions and get answers and insights from him on the same day. This quick feedback was greatly appreciated in helping me feel prepared and confident before making offers.
Thanks to Norman, my first home-buying experience felt much more simplified and manageable, and I am very grateful for his help and expertise. -read moreread less Neethu R.It was a pleasure to work with Liz from OneSite Finance. Being first home buyers, we were definitely nervous and had so many questions. Liz was so understanding and so knowledgeable. She made our entire home buying experience really smooth. Our friends bought their first home with Liz and referred her to us and we are so happy we went with the recommendation. Liz is always so prompt, responsive and always so ahead for everything. Many thanks to Liz, Tram and the Onesite Team. We will definitely work with her for our future buys as well and will highly recommend her to anyone thinking of starting their new home buying journey. -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 - Anar Y.We were applying for our first home loan with Norman, and he was extremely helpful from the very beginning up to very end.
He was always responsive, helpful and friendly, and he provided us with great options to choose from.
He also stayed available during the weekends, and he was always thinking outside of the box and proposing the best solutions and choices, listing all the pros and cons.
He is a genuinely nice person and it was a pleasure to work with him.
We will definitely recommend him to everyone we know and we will definitely work with him in future with any financing and home loan issues.
Thanks again Norman!!! -read moreread less 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 Donna L.My partner, Daniel and I couldn't be happier with the exceptional service we received from our our broker, Liz Zaki. Liz went above and beyond to ensure we felt supported and informed at every stage of the buying process. Liz was available when we needed her and the response rate to our questions and attention to detail was excellent. We would highly recommend Liz to our family and friends and we will look forward to working with her again the future. -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
