Doctors & dentists
Medico lending is a different sport — play it once.
Registrar, consultant, or dentist: your registration tier and employment structure decide which “95% / no LMI” stories are real for you. Get aligned before you pick a postcode.
- ✓Match AHPRA registration and employment type to lenders’ medico tiers.
- ✓See where genuine savings vs gifted deposit debates actually matter.
- ✓Know your ceiling before you bid — especially at higher loan bands.
WhatsApp: 0400 77 77 55
Prefer outcomes over long reads? Get a straight yes / no / not-yet on the phone — paperwork only when there's a real lane.
Lock in a callWhat happens on your first call
Three deliberate steps — no folder dumps, no lender bingo.
- 1
15 minutes, no jargon
You tell us purchase state, rough income, deposit, and timeline. We tell you whether your file is realistically “bank-ready” yet.
- 2
A short shortlist
We name the 1–3 lender camps that fit your evidence — not a laundry list of logos. If something is a stretch, we say so early.
- 3
Clear next steps
You leave with a checklist (payslips, IDs, liabilities). When you’re ready, we lodge with eyes open — same broker start to settlement.
Why medico files aren’t “just another salary package”
Registration tier, employer type, and structure decide whether a published waiver story applies — titles alone don’t.
Tiered professions, tiered outcomes
Intern through specialist isn’t one blob — waiver bands and income tests differ. We speak bank policy, not Instagram flex.
Business structures creep in fast
Company/trust billings vs PAYG hospital contracts change evidence. We line up tax returns, contracts, or employer letters as needed.
Speed matters when you’re roster-heavy
We keep the loop tight: shortlist → documents → submission — so pre-approval matches your actual roster reality.
How lenders read doctor & dentist applications
Three recurring checkpoints — what assessors expect before green-lighting higher leverage or reduced upfront costs.
Often lines up
Medico & dental waiver cohorts (where you fit)
Several majors publish LMI cost relief for defined AHPRA registration cohorts — maximum LVR, loan caps, and owner-occupied tests move by tier. We map your exact registration and employment to the current list — not last year’s rumour.
Case by case
Live professional lists — your title has to match
NAB and other majors name eligible medical roles in published LMI-waiver material. If your exact role or structure isn’t on the page, the “waiver” story may not be the right frame — we pivot to the next best structure.
Easy to trip on
The cost of landing in the wrong tier
LMI, higher interest loadings, or limits on LVR can separate “almost eligible” from “lender fit” by tens of thousands. Guessing is expensive — we line up evidence first, then target.
Want the full matrix on your numbers?
That’s a conversation — not a webpage. We’ll match evidence to lender camps with names.
Start enquiryYou work with Bishnu Adhikari · Australian Credit Licence 390261 · Yellow Brick Road aggregator — same human from first call to settlement where possible.
Quick answers
Straight FAQ — deeper scenarios on the call.
Want the long reads later? Serviceability explained · LMI basics.
Ready for numbers that match your payslip?
Tell us income band, purchase state, deposit, and any deal-breaker debts. We reply business days.
Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.
Important information
The information on this website is general in nature only. It does not take into account your objectives, financial situation, or needs, and you should consider whether it is appropriate for you before acting on it.
Credit assistance and lending are subject to lender assessment, terms, conditions, fees, charges, and eligibility criteria. A loan product that suits one borrower may not suit another.
You should consider obtaining independent legal, financial, and taxation advice before making decisions about credit or property.