Home Loans for Doctors - Brampton Finance

Specialist Mortgage Solutions for Doctors

Doctors are among the most sought-after borrowers for banks due to their stable, high-income profession. Whether you are a specialist, general practitioner, or hospital-employed doctor, lenders offer exclusive medico lending policies that can allow you to borrow up to 90% of the property value with no Lenders Mortgage Insurance (LMI).

At Brampton Finance, we specialise in helping doctors access these benefits, structure mortgages efficiently, and maximise borrowing power while minimising upfront costs.

Why Doctors Qualify for Exclusive Lending Benefits

Banks consider doctors low-risk, high-earning professionals, which translates into:

Borrow up to 90% with no LMI
Access to professional package discounts on interest rates
Higher borrowing capacity compared to standard borrowers
Recognition of hospital, private practice, or corporate employment income
Fast-tracked loan approvals through dedicated medico lending teams

How Brampton Finance Supports Doctors

We understand that doctors may earn through multiple sources and work in various settings, including:

Specialists in private or public hospitals
General Practitioners (GPs) in clinics, practices, or corporate groups
Hospital-employed doctors with PAYG income
Doctors running their own private practice or partnerships

Our brokers ensure that your loan is structured optimally, taking into account income structure, practice ownership, and lending policy eligibility.

Example Scenario

A hospital-employed doctor purchasing a $1,500,000 property:

Standard borrower with 10% deposit → Pays approx. $30,000 in LMI
Doctor under medico lending → No LMI charged, saving thousands upfront

Frequently Asked Questions

Can doctors get a home loan with no LMI?
Yes. Many lenders extend medico lending policies to hospital-employed doctors, GPs, and specialists, allowing up to 90% borrowing with no LMI.

Do I need to own a private practice to qualify?
No. Both employed and self-employed doctors can access medico lending benefits.

What if my income is a mix of hospital employment and private practice earnings?
Lenders recognise mixed income structures, and our brokers can identify the lenders most flexible for your situation.

Are doctors eligible for discounted mortgage rates?
Yes. Many banks offer special professional rate packages for doctors as part of their medico lending policies.

Get Started Today

At Brampton Finance, we help doctors secure tailored mortgage solutions that maximise borrowing power and minimise upfront costs.

📍 Office: Level 7, 35 Spring Street, Bondi Junction NSW 2022
📞 Phone: 02 9389 1077
📧 Email: info@bramptonfinance.com.au