What is a home loan for doctors and how is it different?

Home loans for doctors are specialist mortgage products offered by select lenders that recognise the income stability and career trajectory of medical professionals. The key benefit is LMI waiver eligibility — meaning you may be able to borrow above 80% of a property's value without paying Lenders Mortgage Insurance. Some lenders extend this to higher LVR ratios for eligible doctors and specialists. Eligibility and LVR thresholds vary by lender and individual circumstances. Tiger Mortgage accesses these products directly — there's no markup to you.

Can nurses and allied health professionals get an LMI waiver?

Yes — eligibility extends beyond doctors and specialists. Many lenders include registered nurses, nurse practitioners, physiotherapists, optometrists, dentists, pharmacists and radiographers in their medical professional lending programs. The exact LVR threshold and eligible professions vary by lender. Tiger Mortgage assesses your profession against a full 40+ lender panel to find the best match.

How much can a doctor borrow for a home loan?

Borrowing capacity depends on your income structure, liabilities, and the lender's assessment criteria. Doctors with PAYG income are typically assessed straightforwardly. For doctors with variable income, overtime, locum shifts, or private billings, Tiger Mortgage presents your income in the way individual lenders assess most favourably. Book a free consultation for a clear borrowing number.

I'm a registrar or junior doctor just starting out — can I still get a home loan?

Yes. Many lenders include registrars and junior doctors in their medical professional programs. The LMI waiver is often available from the point of registration, not post-fellowship. Starting early with the right loan structure can significantly accelerate your long-term wealth position.

Home /
Clients /
Medical Professionals

SMSF Refinancing for Medical and Healthcare Professionals

Doctors, specialists, dentists, and allied health professionals are among the most active SMSF property investors in Australia. High income, strong super balances, and a preference for self-directed wealth management make the SMSF structure a natural fit. But the same complexity that makes medical professionals great candidates for SMSF investing — mixed practice structures, trust income, part-time hospital and clinic arrangements — can make lender assessment more complicated.

SMSF Refinancing Considerations Specific to Medical Professionals

Mixed Income Structures

Many practitioners receive income from multiple sources: hospital salary, clinic distributions, trust income, or company dividends. SMSF lenders assess these differently. We know which lenders take the broadest view of professional income when assessing LRBA refinance applications.

Practice Premises in SMSF

If your SMSF holds the premises from which your practice operates, the property must be leased back to your practice at arm's-length market rent. The ATO scrutinises related-party commercial leases, so the documentation needs to be precise. We work with your accountant to confirm this is in order before approaching lenders.

Fund Age and Balance

Medical professionals who set up an SMSF early in their career and have been making contributions consistently may now hold a fund with significant assets. This works in your favour: lenders look at total fund liquidity, and a well-capitalised fund typically qualifies for better terms.

Fast Career Progression

If your income has grown substantially since you originally took out the SMSF loan, this is a refinance opportunity. Your fund's improved serviceability may now qualify for lenders and rates that were not previously accessible.

General information only. Consult your SMSF adviser for advice on your specific borrowing structure.

What We Need to Assess Your Situation

Current SMSF loan details and lender
Last two SMSF tax returns and financial statements
Details of income structure (salary, trust distributions, ABN income)
Current property valuation or agent estimate
Liquid asset position of the SMSF