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.