Medico home loans
Exclusive lending perks for doctors, accountants, lawyers,5.93%Variable Rate*
6.13%Comparison rate*
Who is eligible?
Not everyone gets access to professional lending benefits, but if you work in a recognised field, you could walk right through the front door.
This is where it gets juicy…
What are the benefits?
Up to 95% LVR
Buy sooner with a lower required deposit and pay no LMI…saving tens of thousands upfront.
Up to 90% LVR
More careers now qualify for higher LVR lending, allowing professionals to enter the market faster.
Higher borrowing capacity
Your high income is recognized, meaning you may borrow more than the average applicant!
Faster approval times
Streamlined application options minimize paperwork, making it easier to get approved.
Priority assessment
Your is reviewed ahead of standard queues, meaning you get into the market before others do!
Exclusive rates and fees
Access to special interest rates and lowered fees, better terms, flexibility and more purchasing power!
(Qualifying is easier than most people think!)
We compare all the banks, so you don’t have to
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We compare 60 of the best lenders
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Scan through over 260 loan options
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Zero hidden fees, as it should be*
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3 best options, presented to you
How to apply
1
Free consultation
Let’s start step by step.
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Still got questions?
Answer to your questions
Which professions are eligible for professional home loan packages?
Professional loan packages are typically tailored for high-income earners in specialized fields. This includes medical professionals (doctors, dentists, specialists), legal professionals (lawyers, solicitors, barristers), and accounting professionals (CPAs, actuaries, auditors). At Loanity, we have access to specific lender panels that recognize these stable career paths and offer exclusive benefits not available to the general public
How can I buy a home with a 10% deposit and no LMI?
One of the biggest advantages of a professional package is the Lenders Mortgage Insurance (LMI) waiver. While most buyers must pay LMI if their deposit is under 20%, eligible professionals can often borrow up to 90% (and sometimes 95% for medical staff) without paying a cent in insurance. This can save you between $10,000 and $30,000 in upfront costs, allowing you to keep your capital for other investments.
Do professional packages offer lower interest rates than standard loans?
Yes. Lenders view professionals in these sectors as “low-risk” borrowers. As a result, they often offer tiered interest rate discounts that sit well below the standard advertised rates. Loanity negotiates directly with these premium lending divisions to ensure you receive the deepest discount possible based on your loan size and professional status.
Are there specific benefits for medical professionals and doctors?
Medical professionals often receive the most significant benefits in the Australian market. This can include LMI waivers on loans up to $4.5 million, higher borrowing power assessments, and the ability to use “future income” or private practice earnings for serviceability. Whether you are a GP, an intern, or a surgeon, Loanity can help you leverage your medical status to secure a premium mortgage structure.
Can I get a professional package if I am a contractor or partner in a firm?
Absolutely. We understand that many professionals work as contractors or are partners in their firms rather than PAYG employees. Loanity works with lenders who specialize in “complex income” assessments, allowing us to use your partnership distributions or contract rates to prove your income. We ensure the lender sees the true strength of your professional earning capacity.
Can Loanity help me if I’m self employed or have non-standard income?
Beyond rate discounts and LMI waivers, these packages often include premium features at no extra cost, such as multiple offset accounts, a fee-free credit card, and discounted rates on other insurance products. Loanity will help you compare the annual package fees against these benefits to ensure the professional package provides the best overall value for your financial goals.