doctor mortgage

How we save doctors $100,000 on average*

Special interest rates

We have secured special interest rates not available to the public

Waived LMI

You can borrow up to 95% with no LMI. This offer is exclusive to doctors. On a million dollar loan, that's a $47,000 saving upfront and close to $50,000 over the life of the loan.

Additional Cash Back Offers

Some lenders are offering up to $2,000 cashback. We do all the research to make sure that you've got access to the latest deals.

We Negotiate

Our experience and reputation in the industry gives us the ability to take a strong application to our panel of lenders. There is often flexibility to secure even lower rates.

*$100,000 savings over the life of the loan based on average loan size of $1m, estimated savings of at least 0.20% off advertised interest rate and $47,000 LMI savings

Why are doctors eligible for special discounts?

Lenders in Australia view doctors as having large and stable income. Doctors are therefore low risk borrowers and lenders will compete to secure doctors as customers. This is great news for doctors! Because we specialise in helping doctors secure great deals on their home loan, we have cultivated great relationships with lenders and know how to make the most of their desire for high quality borrowers. The size of the interest rate discount has many factors, including your specialty, which industry association you are a member of, your income, the stability of your employment, the size of your loan and the size of your deposit.

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Doctor browsing home loan options

What types of doctors qualify?

  • Adolescent psychiatrists
  • Anaesthetists
  • Anesthesiologists
  • Cardio Thoracic Surgeons
  • Cardiologists
  • Cardiothoracic Surgeons
  • Child psychiatrists
  • Clinical Pharmacologists
  • Cosmetic Surgeons
  • Dental Specialists
  • Dentists
  • Dermatologists
  • Doctors
  • Ear and Throat Surgeons
  • Emergency Doctors
  • Emergency Medicine Specialists
  • Emergency Surgeons
  • Endocrinologists
  • Forensic psychiatrist
  • Gastroenterologists
  • Gastrointestinal Surgeons
  • General Practitioners (GP)
  • General Surgeons
  • Geriatricians
  • Geriatric psychiatrists
  • GP Registrars
  • Gynaecologists
  • Haematologists
  • Heart Doctors
  • Heart Surgeons
  • Hepatologists
  • Hospital-employed Doctors
  • House Medical Officers (HMO/residency)
  • Immunologists
  • Interns (hospital employed)
  • Junior Medical Officers (JMO/residency)
  • Maxillofacial Surgeons
  • Medical Registrars
  • Nephrologists
  • Neurosurgeons
  • Neurologists
  • Neurophysiologists
  • Neuropsychiatrist
  • Obstetricians
  • Occupational and Environmental Medicine
  • Oncologists
  • Ophthalmologists
  • Oral and Maxillofacial Surgeon
  • Oral Surgeons
  • Organisational psychiatrists
  • Orthodontists
  • Orthopaedic Consultants
  • Medical Psychotherapist
  • Orthopaedic Registrars
  • Orthopaedic Surgeons
  • Otolaryngologists
  • Paediatric Surgeons
  • Paediatricians
  • Paediatrics and Child Health
  • Pathologists
  • Physicians
  • Plastic Surgeons
  • Psychiatrists
  • Radiation Oncologists
  • Radiologists
  • Reconstructive Surgeons
  • Registrars
  • Resident Doctors (residency)
  • Resident Medical Officers
  • Respiratory/Thoracic Surgeons
  • Rheumatologists
  • Self-Employed Doctors
  • Specialist Physicians
  • Supervised Doctors
  • Surgeons
  • Surgical Registrars
  • Thoracic Surgeons
  • Urologists
  • Vascular Surgeons

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*This list is indicative and not exhaustive; eligibility depends on individual circumstances and the lender. Please check your eligibility with us.

What other doctors say about us

Dr. Anita Nitchingham


AusFinance helped us with two home loans and I would highly recommend them. They were amazing - very knowledgable, very responsive and provided great advice. Everything was just perfect and so smooth. Best service in SYDNEY.

Dr. Manisha Abeya


Excellent service. AusFinance were most helpful, no task was too hard or too much trouble and he always had time for us. Our loan was extremely complex and time consuming but he got it done. Thanks AusFinance.

Dr. Debraj Mukherjee

General Practitioner

It has been an wonderful journey with AusFinance, how they guided me in every step and reassuring me whenever we hit a hurdle. I would strongly recommend AusFinance for home loans . Hope they continue their services as they have been doing. Best of luck AusFinance.

Dr. Ernest Olaye


AusFinance made the refinancing of my existing property and plan of buying my dream home come to reality. I was professionally guided all the way on how to make this happen. I believe AusFinance had my interest at heart and their strong links with the banks made all the negotiations seamless. If you are medical professional, I recommend that you speak to AusFinance.

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