As a doctor or medical professional in Sydney, your home loan should reflect your hard work and earning potential. Lend & Loan specialises in medical professional lending — giving doctors, dentists, and specialists access to home loans with significant benefits most Australians never see.
📅 Book Free ConsultationSeveral of Australia's major lenders offer preferential home loan policies for registered medical professionals. These benefits typically include waiving Lenders Mortgage Insurance (LMI) on loans up to 95% LVR — saving doctors $15,000–$40,000 upfront — plus higher borrowing capacity assessments and more flexible treatment of private practice income, overtime, and allowances.
We confirm your eligibility for the doctor home loan LMI waiver across our lender panel.
We review your income structure — PAYG, private billing, locum, overtime — and calculate your true borrowing capacity.
We compare 50+ lenders to find the competitive rate and policy for your specific medical professional situation.
We handle all paperwork, lender communication, approval, and settlement on your behalf.
Typically registered medical practitioners (GPs, specialists), dentists, pharmacists, physiotherapists, and certain allied health professionals. Eligibility varies by lender — we'll confirm in a free consultation.
Most lenders assess doctors generously — often up to 6–8 times annual income. With LMI waived and a higher LVR available, your purchasing power is significantly higher than a standard borrower.
Yes. We specialise in complex medical income structures including the transition from PAYG to private practice.
Book your free medical professional loan assessment. We'll confirm your LMI waiver eligibility, maximise your borrowing capacity, and find your competitive rate across 50+ lenders.
📅 Book Free Consultation