Home Loans for Doctors & Medical Professionals
At AMA Finance Brokers, we’ve spent years working specifically with medical professionals to help them secure home loans that actually reflect their financial reality. We know which lenders will go the extra mile for your profession — and we do the legwork so you don’t have to.
We’ve helped hundreds of doctors buy a home. We know how to make it work for you.
Buying a home is exciting. It’s also, if we’re honest, a bit stressful — especially when your income doesn’t fit neatly into a lender’s tick-box system.
If you’re a doctor, dentist, or specialist, there’s a good chance your earnings come from more than one place: a hospital roster here, some locum shifts there, maybe a mix of private billings and a trust structure on top. Standard lenders can find that tricky. We don’t.
At AMA Finance Brokers, we’ve spent years working specifically with medical professionals to help them secure home loans that actually reflect their financial reality. We know which lenders will go the extra mile for your profession — and we do the legwork so you don’t have to.
Give us a call on 1800 343 184 or book a time online — we’d love to help.
Please fill the form below:
"*" indicates required fields
Why Medical Professionals Choose AMA Finance Brokers
Here’s the thing about most mortgage brokers: they’re set up for salaried employees. Consistent pay, one employer, straightforward tax returns. That works fine for a lot of people, but it’s often not the reality for doctors — particularly if you’re mid-career, running your own practice, or juggling a few different income streams at once.
We’ve seen it too many times: a doctor with a great income gets knocked back or low-balled simply because the broker or lender didn’t know how to read their situation properly.
That’s not good enough. And it’s exactly why we focus on healthcare professionals specifically.
A few things that make your situation different:
- You might be earning across a hospital, a private practice, and locum work — all at the same time
- You could be in a period of transition (registrar to consultant, for example) where your income has recently jumped
- Your money might flow through a trust, company, or partnership — which some lenders don’t know how to handle
- There are exclusive lending packages designed for medical professionals that most brokers never even mention
- And honestly? You’re busy. You don’t have time to sit on hold with a bank for three hours.
We get it. That’s what we’re here for.
What We Do For You
Loan structuring that fits your income
We assess your full financial picture — not just your base salary — and structure your loan to reflect your genuine borrowing capacity. Whether you earn through a trust, private billings, or a mix of salaried and contractor income, we find lenders who understand that.
Access to exclusive professional packages
Many lenders offer reduced rates, waived fees, and higher LVR options for medical professionals. We know which ones, and we negotiate on your behalf to make sure you’re getting the deal your profession warrants.
Minimal disruption to your schedule
We work around you. Flexible meeting times, digital document handling, and a streamlined process from application to approval. No chasing, no confusion — just clear steps and regular updates.
Support beyond settlement
Your needs will change as your career evolves. We review your loan regularly to make sure it still suits your situation, and we’re here when you’re ready to refinance, invest, or upgrade.
Our Process
Getting a home loan through AMA Finance is straightforward:
Initial Consultation -
We learn about your goals, your income structure, and your timeline. This takes 30–45 minutes and can be done remotely.
Loan Recommendations -
We present a shortlist of loan options tailored to your situation — with clear comparisons across rates, features, and lender conditions.
Application & Pre-Approval -
We manage your application end-to-end, liaising directly with the lender so you’re not stuck playing telephone.
Settlement & Beyond -
We stay with you through to settlement and check in regularly to make sure your loan is still working hard for you.
Ready to Buy? Let’s Talk.
Whether you’re purchasing your first home, upgrading to accommodate a growing family, or adding to your property portfolio, AMA Finance Brokers is here to make the finance side simple.
Call 1800 343 184 or book a consultation online — we’ll take it from there.
Frequently Asked Questions
Your borrowing capacity depends on your income structure, existing debts, and the lender’s assessment criteria. Medical professionals often qualify for higher borrowing limits than other applicants, particularly with lenders who understand how to assess private billings and locum income. Use our Borrowing Capacity Calculator for an estimate, or speak with one of our brokers for a personalised assessment.
Yes. Many lenders offer loan-to-value ratios (LVR) above 80% for medical professionals, sometimes without requiring Lenders Mortgage Insurance (LMI). This is one of the key advantages of using a broker who specialises in medical lending. Standard deposits start at 5–10% of the purchase price, but the options available to you will depend on your individual profile.
We can work with a wide range of income types, including hospital salary, locum shifts, private billings, trust distributions, and dividends. The key is knowing which lenders will accept each type — and how to present your income compellingly. That’s exactly what we do.
Most lenders allow weekly, fortnightly, or monthly repayments. Choosing weekly or fortnightly over monthly typically results in one extra month’s repayment per year, which can meaningfully reduce your total interest and loan term over time.
In addition to your deposit, you’ll need to account for:
- Stamp duty — The largest additional cost; rates vary by state and property value. Use our Stamp Duty Calculator to estimate yours.
- Legal / conveyancing fees — Typically $2,000–$3,000, covering title searches and contract review.
- Building and pest inspections — Budget up to $1,000–$1,500 combined. Essential before signing.
- Lender establishment fees — Usually $600–$800, though professional packages often waive these.
- Lenders Mortgage Insurance (LMI) — Applies if you borrow above 80% LVR, though many medical professionals can avoid this entirely.
- Ongoing costs — Council rates, water rates, strata fees (if applicable), and building and contents insurance.
Your AMA Finance broker will walk you through a full cost estimate tailored to your purchase before you commit to anything.