Practical, source-backed guides for Australian doctors, nurses, dentists and allied health professionals. Compare the evidence lenders may ask for, understand common loan features, and explore questions to take to a medical mortgage broker.
Start with our home loan services if you would like to discuss your own circumstances. These guides are general information, not a guarantee of eligibility, rates or approval.
Getting a home loan
- How to get a home loan as a doctor in Australia — A practical guide to preparing a doctor home-loan application in Australia, from income evidence and deposit options to lender comparison and pre-approval.
- A first-home buyer guide for nurses in Australia — A first-home buying checklist for Australian nurses covering deposits, government help, shift-income evidence, pre-approval and total loan costs.
- Medical professional home loans: an application checklist — A practical Australian home-loan document checklist for doctors, nurses, dentists and other medical professionals with salary, shift or self-employed income.
- Can HELP debt affect a medical professional’s home loan? — Understand why a HELP/HECS balance matters in a home-loan assessment and what evidence medical professionals should prepare before applying.
Profession-specific income
- Nurse home loans: making shift income clear to a lender — Learn how to prepare payslips and employment evidence for nursing penalties, overtime, agency shifts and allowances when applying for a home loan.
- Dentist home loans: how to present practice income — How employed and practice-owning dentists can organise salary, billings, business records and debts for an Australian home-loan application.
- Locum doctor home-loan documents: make your work history easy to assess — A practical checklist for Australian locum doctors preparing contracts, invoices, tax records and work history for a home-loan application.
- How lenders may assess a doctor’s overtime and allowances — Learn how to document a doctor’s overtime, on-call income and allowances, and why lenders may assess variable income differently.
Deposits and LMI
- LMI waiver for nurses: what to check before you apply — Can nurses avoid lenders mortgage insurance? Learn the difference between a lender policy and a government guarantee, and what to check before applying.
- Allied health home loans: could your profession qualify for an LMI waiver? — Which allied health occupations may qualify for an LMI waiver? See how to check current lender rules, income evidence and total loan cost before applying.
- Can medical interns and registrars qualify for an LMI waiver? — Can an intern or registrar qualify for a doctor LMI waiver? Compare how published lender policies define eligibility and what to verify before applying.
Refinancing and loan features
- What does it cost to refinance a home loan? — Learn how to assess discharge, application and other switching costs, compare total loan cost and calculate a simple refinancing break-even point.
- Offset versus redraw: which fits a healthcare worker’s cash flow? — Compare offset accounts and redraw facilities through the lens of irregular healthcare income, fees, access to savings and future loan plans.
Reviewed for publication by Sana Hosseini, Medical Mortgage Broker and Australian Credit Representative 371443. Lending policies and government schemes can change; check current official criteria before acting.