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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CyrusWe found Liz through Google and we're glad that we decided to go with her as our broker. She went above and beyond to find the best deal for us right before the interest rates rose last minute. Liz was very informative, responsive and helpful throughout the whole process, especially as we are first home buyers. Would highly recommend Liz and her team. Thank you Liz! -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 Tadas M.Norman is one of the most professional brokers I have ever dealt with. He has in-depth knowledge of all the steps and procedures.
He helped in every step of the process to get the best home loan in our circumstances.
He went above and beyond explaining each and every detail of the contract and was able to provide the service outside of working hours.
Your service is highly recommended, thank you again! -read moreread less - Jared W.Liz and the team at OneSite Finance were recommended to us by close family friends. As first home buyers, Liz and the team took the stress out of the entire process for us. They allowed us to focus on finding a home and guided us each step of the way. It was a truly wonderful experience and I would highly recommend them. Thanks again Liz and the team for helping us purchase our home in QLD. -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 Simone S.Liz and the team at OneSite Finance are amazing! We have been clients of Liz since 2011, and she has helped us with both our home and all of our investment property loans, ensuring that we get the most competitive rate and the right loan structure.
I've never met anyone as efficient and on top of things like Liz, and she is also incredibly lovely to deal with. I ALWAYS encourage friends and family to go to her when they are considering a new property, and they've all been so happy with her services as well 🙂 -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 Jaye P.Liz was recommended to me by a colleague who had great experiences with OneSite. Liz and her team are super efficient, professional and extremely thorough; they were very patient with me, and went above and beyond to ensure that my case is complete within a very tight time frame. Thank you Liz again for your amazing work! -read moreread less Bowen Y.Norman was extremely professional and had a through understanding of all of the procedures involved. I love how he went above and beyond to help me in my home purchase. Definitely recommend. -read moreread less
- Avayar D.Liz is an amazing mortgage broker and seems to be working 24/7 as she answers emails and sms very quickly at all times. She has done our mortgage several times, and each time she pays attention to details, even meeting us at solicitor and bank to make sure everything went smoothly and everything was filled up quickly. She made sure we got the best deals, and even looked for the cheapest solicitor for our purpose. We can only provide positive comments as there is nothing else we could have expected of her. Our mortgage was not a straightforward one, but she always managed to help us pretty smoothly. Thank you, Liz. -read moreread less JamesNorman has been assisting us for our first home purchase for the last 9 months. Never realized that the biggest spending is also the most complicated. Without the great support from Norman, I don't think can go through this process successfully.
So many questions have been answered clearly and quickly. The communication and professionalism is so much better than the previous broker initially engaged. Clearly one of the best decision that I made is to switch the brokerage to Norman !
Thank you Norman for everything, including your personal attention and support to my specific needs. See you later on our next purchase. -read moreread less Ange C.My wife and I have enlisted Liz Zaki to co-ordinate multiple home loans over the last 12 years. We have always been impressed with Liz's professionalism, punctuality, work ethic, honesty, efficiency and friendliness. At the initial planning meetings, Liz clearly and carefully outlined a realistic strategy to facilitate obtaining the ideal home loan for us. Liz is well connected with multiple banks and niche arms within banks, thus providing multiple feasible home loan options. Liz does everything within her means to obtain the lowest interest rates for her clients. Liz's work ethic is unparalleled. She frequently met with my wife and I outside of work hours to have meetings, to sign documents and is always available by phone and/or email (frequently replying within minutes) if there are any qualms or concerns. For one of our recent loans, Liz was available over the phone and email whilst she was on holidays so that the progression of our home loan approval wasn't halted. Purchasing a property and applying for a home loan are extremely stressful processes. It is a blessing to have Liz as our mortgage broker as she makes the process seamless. Liz has always been above reproach in the way she has liaised with my wife and I; we will continue to enlist her services for future home loans and have no hesitation at all to recommend her to our family and friends. Keep up the great work Liz!
Sincerely, Jimmy and Angela C -read moreread less - BenjamminWe would highly recommend Liz to anybody that wants a mortgage broker that will not give up!
Liz has been our mortgage broker for the past five years and in that time, she helped us get the loan to secure our family home (which was no easy task but she found a way to make it happen).
Then after baby number 2 came and lots of extra expenses to juggle we racked up some credit card debt but Liz came to our aid to find us the best financial solution, we consolidated all the debt and switched banks to a better loan structure & rate.
We are now back on track and have Liz to thank! -read moreread less A G.We are first-time home buyers and had an excellent experience working with Norman getting finance our first home. He was extremely meticulous explaining the options for each lender, and then through the application and settlement processes.
I would recommend Norman to anyone who is looking for a loan advisor or even just general advice. -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
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
