Medical home loans in Canberra
We help eligible doctors, dentists and other health professionals understand medical home loan options, including LMI waiver pathways, lender policy and more complex income structures such as locum or company-based income.
Medical income can be assessed differently
Medical professionals often have income structures that do not fit standard lending templates. Depending on the lender, this can include locum income, contractor arrangements, overtime, allowances, company income or service trust structures.
Locum and contractor income
Some lenders are more flexible with locum and contractor income where professional history, invoices, contracts or recent income evidence support the application.
Company and service trust structures
Where income is earned through a company or trust structure, some lenders may assess the broader income picture rather than salary alone, subject to policy and documentation.
Eligible profession pathways
Eligibility depends on lender policy and, in many cases, current professional registration.
Practice and equipment finance conversations
Some medical clients also need support with commercial property, practice fit-out or equipment finance. These scenarios are usually assessed separately from residential home lending.
Practice premises
Support for clients exploring owner-occupied or investment medical premises, subject to commercial lending policy.
Equipment finance
Finance options for eligible medical and dental equipment, depending on lender and business profile.
Practice acquisition or buy-in
Some clients also ask about lending for practice acquisition, buy-in or related commercial funding structures.