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Medical & health professionals

Home Loans for Medical and Health Professionals

Doctor, dentist or registered nurse? Could you qualify for an LMI waiver?

Some lenders have special policies for eligible AHPRA-registered health professionals. Lender eligibility criteria and income requirements apply. Peter checks which lenders on our panel may suit you and leads your loan, with his team behind every step.

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70+ lenders on our panel14+ years in property
Australia-wide by phone or video
Peter Chea15-minute discovery call
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Our lender panel

A selection of the 70+ lenders on our panel.

Is this you?

Who We Help

01

Doctors and Dentists

GPs, specialists, hospital doctors, registrars and dentists. Often eligible for the widest range of policies.

02

Nurses and Midwives

Some lenders include registered nurses and midwives, often with an income minimum.

03

Allied Health

Pharmacists, physios, optometrists and others may be eligible with some lenders.

04

Practice Owners

Practice income, fit-outs and buying into a practice.

What lenders look at

What Lenders Look at for Medical Professionals

Policies differ a lot between lenders. Here's what they check.

  1. Your profession and AHPRA registration

    Lenders check your role and registration against their list of eligible professions.

  2. How you're paid

    Salary, contract, locum or ABN income are each treated differently.

  3. Your deposit

    With an eligible waiver, some lenders may accept a smaller deposit without LMI.

  4. Practice income

    If you own or share a practice, lenders look at its financials too.

  5. Your other debts

    Study debts and credit cards count towards what you can borrow.

Peter matches these details to lenders on our panel that may suit your situation. Approval is always subject to the lender's assessment.

Your profession may open doors.

Key facts

What Some Lenders Offer

Waivers, limits and eligible professions vary by lender and change often. Peter checks the current options for your situation.

95%

Some major lenders may lend up to 95% of the property's value without LMI for eligible doctors and dentists. Eligibility and limits vary.

Source: Westpac healthcare LMI waiver · checked November 2026
90%

Westpac may lend up to 90% of the property's value without LMI for eligible registered nurses and midwives earning at least $90,000 a year. Other eligibility criteria and limits apply.

Source: Westpac healthcare LMI waiver · checked November 2026
How it works

From First Call to Funding

Book a 15-Minute Discovery Call
01

Book a 15-Minute Call

Tell Peter what you're planning. By phone, video, or over a coffee at your favourite spot.

02

Explore Your Options

Peter looks at options from our panel of 70+ lenders and explains the trade-offs.

03

We Handle the Application

Choose your option. We manage the paperwork and lender questions through to funding.

Client review
“Peter was incredibly helpful with reviewing my financing. I found him to be very organised, professional, and a clear communicator. He is highly recommended.”
Lucy · Blue Finance client
Peter Chea
Peter CheaPrincipal Finance Broker

“You’ll speak to me on the first call. I’ll lead your loan personally, with my team backing every detail.”

70+ lenders on our panel14+ years in property
Questions

Questions from Health Professionals

It varies by lender. Doctors and dentists are commonly eligible. Some lenders also include nurses, midwives and other AHPRA-registered professionals, with different limits and income minimums.
Some lenders set one for some professions. Others don't. Peter will check.
Some lenders include them. Policies vary, so lender choice matters.
Some lenders offer it for investment too. Limits depend on the lender and loan.
We don’t charge you a broker fee. Lenders pay us for arranging your loan, and using a broker doesn’t mean paying a higher rate. When we help with your home loan, the law requires us to act in your best interests and put your interests first if there’s ever a conflict. We’ll explain how we’re paid before you go ahead. Lender and other third-party fees may apply.
No. We help clients Australia-wide by phone or video.
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Your next chapter

Ready for Your Next Chapter?

15 minutes with Peter. By phone, video, or over a coffee in Melbourne.

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