Home Loans for Healthcare Workers
Healthcare professionals can access some of the best lending deals in Australia — including LMI waivers up to 90% LVR for doctors. We help you unlock benefits most brokers don't mention.
LMI waivers for doctors
Borrow up to 90% (some lenders 95%) without Lenders Mortgage Insurance.
Nurse & midwife packages
Specialist loans recognising healthcare stability and shift patterns.
Locum & contract income
We structure loans for contract, agency and locum healthcare workers.
The doctor LMI waiver
Many lenders waive Lenders Mortgage Insurance for qualifying doctors up to 90% LVR, and some up to 95%. On a $1M property, this can save $30,000+ in LMI costs. Eligible roles typically include GPs, specialists, surgeons, dentists, vets and some allied health.
Shift work & overtime
Nurses and midwives often have variable income from penalty rates and overtime. Not all lenders accept 100% of overtime — we know which ones do.
Contract and locum doctors
Locum work and short-term contracts can trip up the wrong lender. The right lender will average your income over 12 months and lend normally.
FAQs
Am I eligible for a doctor LMI waiver?
Eligibility varies by lender. Most accept medical doctors, surgeons, dentists and specialists. Some include nurses, pharmacists and vets. We check your specific eligibility.
Can I use overtime income?
Yes — most lenders accept 80-100% of documented overtime for healthcare workers with 6+ months of history.
Can I buy while on a short-term contract?
Yes, with the right lender. Locum doctors and contract nurses regularly get home loans — it's about how the income is presented.
Ready to talk about your next home loan?
Free, no-obligation chat with Hoshang. We'll map out your options in 20 minutes.