Medical lending benefits
Finance built for how health professionals work.
These benefits exist, but they are lender-specific, change often and come with conditions. I match your profession, registration, income and plans to selected lenders whose current criteria may fit.
Up to 95% LVR with no LMI
Selected lenders offer residential purchases up to 95% LVR with no Lenders Mortgage Insurance for eligible professions and registrations, which can save an illustrative tens of thousands of dollars. Minimum income, loan caps and profession lists apply. Some lenders may go higher for some eligible professions. Policies change.
No minimum ABN history
Selected lenders have no minimum ABN history requirement and assess income on your current contract, billings or service-fee arrangement. This is lender-specific, and other documentation criteria still apply.
Up to 100% funding for practice purchases
Selected specialist lenders may fund up to 100% of an eligible business acquisition, such as a practice purchase, subject to the practice, valuation, your profession and credit approval.
Up to 100% funding against goodwill
Selected lenders may refinance or release equity from goodwill in an established practice, up to 100%, subject to financials, valuation and criteria.
Up to 100% LVR on owner-occupied commercial property
Selected lenders may fund practice rooms or clinic premises you will occupy up to 100% LVR, subject to the property, your financials and criteria.
Shift income, training-stage and investment lending
Penalty rates, overtime, on-call and allowances may be counted at selected lenders. Selected lenders also offer training-stage lending for eligible interns, residents and registrars, and investment lending sequenced for high earners. Criteria apply and policies change.
Nurses, paramedics and allied health professionals are covered more narrowly than doctors and dentists at most lenders. I'll tell you honestly where you stand.
Benefits are offered by selected lenders to eligible borrowers and are subject to lender criteria, credit assessment and change without notice. General information only.
General information only. It does not consider your personal circumstances. Eligibility, loan-to-value limits, professions covered and lender policies vary and change. Subject to lender credit approval.
Put the real numbers in front of you.
I'll read the position, show the calculation and explain the trade-offs, no guesswork, no rework.