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Medical professional’s specialist home loan products

Medical professional’s specialist home loan products

April 24, 2018

Medical professional’s specialist home loan products

If you are in the medical professional field you could be entitled to a lower interest rate and fee waivers on your home loan due to your chosen profession. This is due to the high level of income and the stability that comes with these professions, some lenders will provide competitive incentives with their medical professional loan product offers.

The team at Finance Prospects are specialist brokers working with medical professional’s assisting with finding the most suitable options for each individual. This can include finding the most competitive rate available to you relevant on your profession and in turn allowing you to borrow more than other borrowers with fee waivers. This can in many cases benefit you significantly whether you are looking to purchase your family home or build your investment portfolio.  

Below you will find a comprehensive list that outlines the professions eligible for the specialist products across our extensive panel of lenders:

·       Anaesthetist

·       Obstetrician

·       Cardio Thoracic Surgeon

·       Oncologist

·       Cardiologist

·       Ophthalmologist

·       Clinical Pharmacologist

·       Optometrist

·       Cosmetic Surgeon

·       Oral and Maxillofacial Surgeon

·       Dentist

·       Orthopaedic Surgeon

·       Dermatologist

·       Orthopaedic Registrars

·       Ear and Throat Surgeon

·       Otolaryngologist

·       Emergency Surgeon

·       Paediatric Surgeon

·       Endocrinologist

·       Pathologist

·       Gastro Intestinal Surgeon

·       Plastic Surgeon

·       Gastroenterologist

·       Psychiatrist

·       General Practitioner

·       Radiologist

·       General Surgeon

·       Reconstructive Surgeon

·       Gynaecologist

·       Respiratory

·       Haematologist

·       Rheumatologist

·       Hepatologist

·       Surgeons

·       Immunologist

·       Thoracic Surgeon

·       Medical Practitioner

·       Urologist

·       Nephrologist

·       Vascular Surgeon

·       Neuro Surgeon

·       Veterinarian

·       Neurologist



Fee Waiver

A very useful and cost saving benefit of the medical professional home loan is the ability to forfeit paying any lenders mortgage insurance. The waiver is applicable for both purchases and refinances up to a maximum of 90% LVR. This waiver can in some cases save yourself as the purchaser thousands of dollars and not to mention if you are an investor, this waiver will allow you to build your portfolio that little bit faster as you will be able to make multiple property purchases with smaller deposits needed for each purchase.

It is important to note that not all lenders provide this waiver as an option and some lenders may have different requirements of what is an acceptable medical professional; this is where talking to an experienced mortgage broker will benefit you in the long term.

If you have any queries or a question regarding specific information around Medical Professional’s specialist home loans  or home loans in general, don’t hesitate to get in touch with our friendly team on 08 8344 9933 or email Jessica at to find out more about the options available to you.