🩺 Medico Loans
Lending support tailored for medical professionals.
Whether you're a doctor, dentist, allied health professional, or specialist, your income and career path are often different from standard PAYG borrowers — and so are your loan options.
At Finance on the Coast, we regularly assist medical professionals with home loans, investment loans, and business lending. We work with lenders who understand the structure of medical income and offer loan products designed for your industry.
🧩 What We Do
- Work with your income structure — including PAYG, ABNs, trusts, and multiple entities
- Assist with home loans, investment loans, and business or practice finance
- Provide access to lenders who offer medico-specific policies
- Support with low-deposit or waived-LMI loans available to eligible medical professionals
- Manage your loan application from start to finish — with minimal disruption to your schedule
Whether you're just out of residency or running your own clinic, we’re here to help simplify the lending process and keep things moving.
👩💼 Government Support & Loan Options
Depending on your situation, you may be eligible for:
The First Home Guarantee (low deposit, no LMI)
Help to Buy shared equity scheme
Guarantor loans
Stamp duty exemptions (state-based eligibility)
We can help you explore lender options that include these programs and assist with the paperwork involved in applying.
🧠 Lender Policy for Medicos
Some lenders may offer special considerations for eligible medical professionals, including:
- Higher maximum borrowing limits
- Lending against future income potential
- Reduced or waived Lenders Mortgage Insurance (LMI)
- Flexible documentation options for contractors or those with ABNs
We’ll help you identify what’s possible based on your profession, income type, and current goals.
🏡 Common Lending Scenarios for Medicos
- Buying a first home while finishing specialty training
- Purchasing an investment property while working full-time
- Refinancing a home loan with a better rate or structure
- Buying a practice premises under a trust or company
- Accessing equity to renovate or consolidate business debt
We work with clients at every career stage — from early career to established specialists.
📍 What You’ll Need
Each lender has different requirements, but we’ll help you stay organised and submit everything correctly. You’ll typically need:
- Employment and income documents (including contracts, tax returns, BAS or group certificates)
- Details and returns on any trusts or entities involved
- ID and proof of deposit (if purchasing)
🎧 Heard About Us on the Podcast?
We often discuss medical finance on the Property & Mortgage Insights Australia 2025 podcast. If you're here after listening, welcome — this is where you can take the next step.
📞 Ready to Move Forward?