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Specialist Medico Packages

Home Loans for Doctors in Sydney — LMI Waivers & Specialist Medico Packages

You’ve dedicated years to your career. Your home loan should reflect that. We access specialist Medico packages with LMI waivers and exclusive benefits unavailable through standard lending.
Get a Free Assessment
0414 406 887
LMI waivers available up to 90–95% LVR

Doctor Home Loans — Built Around Your Career, Not Just Your Payslip

At Bang On Investments, we have a unique background in both medicine and finance. That means we understand your world in a way most brokers simply don’t — the structure of your income, the demands of your training, and the exclusive lending opportunities available to you as a medical professional.
Whether you’re a GP, specialist, registrar, intern or hospital-employed doctor, we work with lenders who have specifically designed products for medical professionals — including the ability to borrow up to 90–95% of a property’s value without paying Lenders Mortgage Insurance (LMI). This can save you tens of thousands of dollars upfront.
We help doctors buy homes across Sydney — including Chatswood, North Sydney, Strathfield, Willoughby, Pymble, Killara, Concord and the Southern Highlands.
Call 0414 406 887
Email Us
Chatswood Mortgage Broker

“Bang helped make the entire experience feel less painful. Their knowledge was second to none and the customer service was excellent. Highly recommended.”

Josh R

What's Included in a Doctor Home Loan Package

1

LMI Waiver Up to 90–95% LVR

Lenders Mortgage Insurance typically applies when borrowing more than 80% of a property’s value — and can cost $15,000–$40,000+. As a registered medical practitioner, you may qualify for a full LMI waiver at up to 90–95% LVR, meaning you can buy sooner with a smaller deposit and no LMI cost.

Check your LMI waiver eligibility — call 0414 406 887
2

Competitive Rates & Exclusive Medico Products

Many lenders view doctors as low-risk borrowers and offer preferential rates and product features not available to the general public. We know which lenders are offering the best Medico packages right now and will match you accordingly.
Find out what rates you could access — call 0414 406 887
3

Finance for Doctors in Training

If you’re an intern, resident or registrar, getting a home loan can feel out of reach — but some lenders will consider your future earning potential and current employment contract. We know exactly which lenders are flexible for doctors at each stage of their career.
Not yet fully qualified? Call 0414 406 887 — there may still be options for you
4

Investment Property Loans for Doctors

Many doctors are also strategic property investors. We help structure investment loans that maximise your borrowing capacity and portfolio growth — including stand-alone security structures and tax-effective loan designs built around your accountant’s strategy.
Talk to us about investment loans for doctors — call 0414 406 887

“Bang and the team were so fantastic to work with. Their positivity, energy and professionalism made for a fantastic process and we felt supported every step of the way.”

Xanthe L

Which Medical Professionals Qualify?

Medico home loan packages and LMI waivers are typically available to registered medical practitioners. Eligibility varies by lender — we’ll match you to the right product for your registration and stage of career.
General Practitioners (GPs)
Willoughby
Medical Specialists
Interns & Residents
Dentists
Pharmacists
Optometrists
Veterinarians
Not sure if you qualify? Call 0414 406 887
Why Choose Bang On Investments?
  • Unique background in both medicine and finance
  • Access to 25+ specialist lenders
  • Deep knowledge of Medico lending policies
  • LMI waiver expertise across all medical professions
  • Support from first enquiry through to settlement
  • Serving Sydney, NSW and clients Australia-wide

Doctor Home Loan FAQs

Lenders Mortgage Insurance (LMI) is a cost charged by lenders when you borrow more than 80% of a property’s value. It protects the lender — not you — and can cost between $15,000 and $40,000+ depending on the loan size. An LMI waiver means you avoid this cost entirely, which is a significant saving for doctors buying with a smaller deposit.

Some lenders do offer LMI waivers to interns and residents, though the criteria can be stricter than for fully qualified doctors. The key is working with a broker who knows which lenders are most flexible for your stage of career. Call us to check your eligibility.
No — that’s one of the main advantages of a Medico package. You may be able to borrow up to 90–95% of the property value without LMI, meaning you only need a 5–10% deposit. This is significantly more accessible than standard lending for most buyers.
Some Medico packages apply to investment properties as well as owner-occupied homes — though the terms vary by lender. We’ll identify which lenders offer the best investment options for medical professionals.
We help doctors across Greater Sydney and NSW — including Chatswood, North Sydney, Strathfield, Willoughby, Pymble, Killara, Concord, Bowral and the Southern Highlands. We also assist clients Australia-wide.

Have a question about doctor home loans?

Call 0414 406 887
Email Us

* Please note that every client’s situation is unique and terms and conditions apply. Contact us to initiate a full application assessment to determine an outcome.

Ready to Make the Most of Your Medico Benefits?

You’ve worked hard to get where you are. Let us put that to work for your home loan. Get in touch for a free, no-obligation assessment and find out exactly what’s available to you as a medical professional.

Call 0414 406 887
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