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Medical Loans

Medical Professionals

If you are in the medical industry, there are certain benefits some lenders make available to you that are not available to most other professions.

These benefits can save you tens of thousands off your home or investment mortgage.

What are the benefits for those in the medical industry?

If you are purchasing a home

  • You can borrow up to 90% of the value of the property (LVR) without having to pay lenders mortgage insurance (LMI). For most other professions, LMI kicks in at 80% LVR.In terms what this means in $’s, it’s a saving of around $16,000 upfront for a home valued at $650,000 at 90% LVR.  That’s a quick way of gaining extra equity!


  • Most lenders will have tiered interest rates that increase as the LVR increases. The benefit for Medico’s is that you can borrow at 90% LVR, and still receive the same interest rate as if you were borrowing below 80% LVR.  The difference can be 0.8% or more, meaning you save around $4600 a year in interest using the example above.


  • Most lenders require anyone borrowing above 80% LVR to have 5% of genuine savings to use as a deposit that can be evidenced as held or saved over a period of 3 months. While you’ll still need a deposit, you won’t need to prove this was held for 3 months or more if you’re borrowing 90% or less.


If you are purchasing an Investment property

If you’re looking at an investment property, you will also benefit from the 90% LVR waiver and discounted interest rates.  These benefits are applicable if you are making principle & interest repayments or interest only repayments.

Who is eligible?

The following list of medical professions are eligible for the benefits above.

  • Dentists
  • General Practitioners
  • Hospital-employed Doctors (e.g. Intern, Resident, Registrar, Staff Specialist)
  • Medical Specialists
  • Optometrists
  • Pharmacists
  • Veterinary Practitioners

Applicants need to be permanent Australian residents or an approved permanent visa holder. Generally, applicants on Temporary 457 visa are only eligible for the purchase of owner occupied properties.

I get paid per invoice or contract, am I still eligible? 

Self employed medical professionals are eligible for this offer, generally the most recent tax return will be used to verify your income, or in some circumstances invoices may be used.

Practice Premises as security

If you’re looking at purchasing a practice premises, that is zoned for use as either business premises or residential, and can easily be converted back into residential accommodation, then there is a good chance the security can be treated as a residential security.  This is an important distinction as residential security will attract a much better interest rate, and longer loan term than a commercial loan.

Borrowing in the name of a trust or a company is available under this special package, or in a spouse’s name as long as the medico is involved, typically as a guarantor.

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People often ask

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We believe that, by focusing on quality, our clients will get the best service and advice – ultimately leading to better outcomes. So, when you come to Intrepid Finance, you can feel confident knowing that you’re best solution – without any hidden fees.

To achieve your financial goals, you need a trusted partner who can guide you through the complex process of securing loans or leases. A mortgage broker can help by conducting a preliminary assessment of your financial situation and identifying suitable options from the mortgage market. They will also take on the time-consuming task of completing the majority of the application form and compiling the necessary supporting documents. With the application lodged and regularly monitored through internal systems, you can rest assured that the process is moving forward. Let a mortgage broker handle the details and help you achieve your financial dreams.

It’s crucial to know your financial landscape before choosing a loan that fits your needs. With various lenders providing different rates and product features, it can be overwhelming to navigate. That’s where a Mortgage Broker comes in, not only educating you about your options but also guiding you through the complex process of finding the most suitable loan. With a mortgage broker, you can leave the leg work to them, while they negotiate with lenders and tackle any potential obstacles. Rest assured that you’ll have a trusted partner by your side who will help you reach your financial goals.

Mortgage brokers play a crucial role in helping borrowers secure suitable loans for their homes. They work as a liaison between multiple banks or lending institutions, providing access to special deals or rates. In addition to handling the complicated application process, brokers are well-versed in mortgage offerings, market trends, and the borrower’s best options. As members of industry groups such as The Mortgage and Finance Association of Australia, brokers undergo rigorous training to adhere to strict standards and regulatory requirements. With their expertise and industry connections, mortgage brokers can help borrowers achieve their homeownership dreams while ensuring the best loan terms for their needs.

Achieving financial freedom requires a clear understanding of your financial position and goals. Whether you’re an individual or business, it’s essential to assess your income, assets, and liabilities. With a mortgage broker by your side, you can secure a mortgage that aligns with your unique needs, whether it’s for investment, owner-occupied property, refinancing, or commercial finance. The broker can guide you through the entire process and save you valuable time by handling the majority of the loan application on your behalf. From finance pre-approval to settlement, the broker will detail each step involved in purchasing your asset. Get ready to achieve your financial dreams with the help of a trusted partner.

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