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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So T.When I refinanced from State Custodian to CBA last year with Andi's help, I got very competitive rates. Andi was willing to travel more than half an hour to my home at night time to get the loan signed. Andi is willing to go above and beyond and I highly recommend him to anyone who wants to get a loan. -read moreread less ThomasI was pretty clueless about purchasing my first property so a friend recommended I talk to Liz. She stepped me through the entire process and was always swift in addressing my questions and concerns. Liz helped me get a competitive home loan rate and the team handled a lot of the paperwork and liaising. Definitely glad I went to OneSite. -read moreread less Karen B.Friendly, professional and knowledgeable team. Liz and Tram made the whole process easy for me. They communicated well and kept me informed of the progress of the loan. They were very informative, answered my questions quickly and explained every step of the way. I am happy with the support from Onesite and will definitely recommend them to friends and family. -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 Chu W.Liz and team are top notch. As first home buyers, we always felt well informed with the whole process. Liz was very patient, made us feel comfortable to ask any questions and super communicative. So lucky to have found them through word of mouth. Thank you Team Onesite! -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 - Steph O.I can't express how grateful I am to Liz and her incredible team at OneSite for helping me finance my first home! From the very beginning, they went above and beyond to ensure I had the best experience possible. Liz and her team were always quick to reply, incredibly helpful, and truly dedicated to my success. Their expertise and commitment made the entire process smooth and stress-free. I highly recommend OneSite to anyone looking for a reliable and supportive mortgage broker. Thank you, Liz and team, for making my dream of home ownership a reality! -read moreread less Kevin T.Liz and the team have been excellent in assisting us with the loan for our new home purchase recently. Liz is very responsive and hard working which helped us in getting the loan ready in a very short time.
We have been a client of OneSite since 2015. After a purchase, they periodically review our existing loans to ensure we still have the best setup for our circumstances. -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 - Chris M.Liz Zaki came highly recommended to us by a savvy friend, and now, having experienced her exceptional service firsthand, we can confidently say that she exceeded all our expectations as a first-time buyer.
From the very beginning, Liz demonstrated an incredible level of patience, taking the time to explain each step of the home buying process and presenting us with various options available to suit our needs. Her clear and effective communication throughout the journey made us feel well-informed and supported at every stage, from application to approval and settlement.
What truly stood out was the exceptional management of our application and settlement, which made the entire process seamless and stress-free. Liz and her team's dedication to our case was evident, and it gave us total peace of mind.
Moreover, we were pleasantly surprised by the additional educational workshops offered by Liz's team, which allowed us to build our knowledge and confidence in the real estate market. This extra effort showcased their commitment to ensuring we made well-informed decisions.
We have no hesitation in recommending Liz at OneSite to anyone looking for a finance. Her expertise, professionalism, and personalised approach made our first home buying experience truly enjoyable and successful. Liz Zaki and her team are the ones you can trust to guide you through the complex world of mortgages with ease. -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 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 - 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 Tamas G.I approached Liz and the One Site team recently after another mortgage broker left me hanging. I needed urgent help with refinancing due to a court order. Liz showed the utmost professionalism from the beginning, responding promptly to my emails, text messages even after hours. In our consultation, she was very clear about the options and helped benchmark them against my own needs. I would definitely like to rely on her with my property purchase in the future and highly recommend her and her team! -read moreread less Courtney J.We cannot thank Liz and her team enough for helping us through the purchase of our first home. Liz is patient, responsive and incredibly thorough in her work. She honestly made the process so easy for us! Since settlement she has reached out a number of times to check that we are happy with how our repayments are structured which we appreciate as well. If we were to go for another purchase we would definitely engage OneSite again! Thank you! -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
