Australia's #1 Mortgage Broker
- No deposit
- 100% financing — full property value + fees & charges
- 'Doctors Only' rate — 99.6% approval rate
- Approval in days, not weeks
Enquire About Special Home Loans Offers For Doctors
There is no obligation, we’ll get back to you within 5 minutes during business hours.
Award Winning Mortgage Brokers
Save $80,000 on average with our home loans for doctors
We help doctors access special home loan discounts below the advertised interest rate — plus fee waivers, LMI exemptions and cashback offers only available to medical professionals.
Best Interest Rate Deals
We negotiate a special 'Doctors Only' rate for you, backed by a 99.6% approval rate. We negotiate the best deal for you, with discounts below the bank's advertised rate.
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Pay
No LMI Fees
Borrow up to 100% of your home loan value and pay nothing in LMI. We save doctors an average of $50,000 in LMI costs based on a 95% LVR home loan with a $1,000,000 purchase price.
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We Cover Your Annual Loan Fees
We're so confident with our doctor mortgage deals that we pay your annual loan fees! This applies for all home loans above $500k, saving you an additional average of $11,850 over the lifetime of your loan!
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Exclusive Cash Back Offers
Speak to one of our senior brokers now and get the best cash backs offered by Australia's leading banks. Get up to $3,000 in cash back and save! Our brokers will find you the best deals in the market.
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What Our Brokers Say
Meet the team. Hear directly from the Mortgage Pros brokers who specialise in home loans for Australian doctors — and what makes our doctor program different.
We Make Home Loans Easy For Doctors
Three steps. No paperwork chase. No call-centre handoffs. One Broker, end-to-end.
Make An Enquiry
Enquire between 8am to 8pm, Monday to Sunday and we call you back within 5 minutes. Our brokers work around the clock to help you!
01
Speak With A Broker
We assess your situation, negotiate rates, screen lenders and present you with your best options. We are with you every step of the way!
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Loan Approved
You pick the best option that suits you and we get your home loan formally approved! We make the whole home loan process easy!
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Real Case Studies
Three doctors. Three different problems. Three approvals that other brokers said weren’t possible.
Dr David's Home Loan Case Study 95% LVR — Waived LMI for Doctors
After discussing his situation with a colleague, David is referred to his colleague’s mortgage broker, Mortgage Pros, who specialise in home loans for doctors. There he discovers that a few lenders offer home loans for doctors!
He can borrow over 90 per cent of the property value without paying lenders mortgage insurance and even receives a larger interest rate discount. After crunching the numbers, David is told if he borrows $665,000, 95 per cent of the purchase price, he will save about $25,000 in LMI costs!
Like David, you can save thousands on your home loan with an LMI waiver. You can always contact one of our mortgage brokers specialising in home loans for doctors by calling us on 1300 030 388 or enquiring online.
Dr Jen's Home Loan Case Study Saving Thousands by Refinancing
Jen is a psychiatrist based in the inner west of Sydney. She works for herself and earns $400,000 per year. She has been very successful with property and amassed a portfolio of 7 properties across Australia, roughly half paid off.
With interest rates rising, Jen has seen her rates go from 2.24% to 5.57% in about a year. She hopes to ensure she is on the lowest rate possible and not paying more than she needs to.
Jen calls her existing bank and requests them to give her a better interest rate on her home loan. She wants the rates which are advertised on their website. They regret to inform her that they cannot assist as the rates on their website are limited to new bank customers & she is already on the best they can offer.
After discussing her situation with a work colleague, Jen is referred to her colleague’s mortgage broker, Mortgage Pros, who specialise in home loans for doctors. They thoroughly analyse her situation & the market to find her the best deal. Jen refinanced all her loans and was able to achieve the following:
- Lower the interest rates on her loans by 0.50%. Saving her approx. $21,000 per year in interest.
- Take advantage of cashback the bank was offering. She was able to obtain a $4,000 cashback per property. Hence as she had 7 properties the bank paid her $28,000 to move her business over.
- Re-extend her interest-only periods back to 5 years on her investment loans
Dr Tom's Home Loan Case Study How to Increase Your Borrowing Capacity
Tom is a psychiatry registrar based in South Sydney and earns $180,000 per annum including overtime. He is married and has two children. His wife works in graphic design & earns $80,000 per annum. They own a two-bedroom apartment which they live in that is about half paid off.
Tom & his wife need more space for the kids. They are looking to move into a house with a backyard and are seeking to spend $1,200,000.
Tom speaks to his existing bank about getting preapproval, and they tell him, to his shock their maximum borrowing capacity for new lending is $800,000. Tom & his wife are not able to save or ask the family for $400,000. In addition, with a budget of $800,000 they are limited to just buying another apartment.
After researching online, Tom stumbles upon the Mortgage Pros website and sees they specialise in home loans for doctors. He called through and, in under a week, was preapproved to purchase a property for 1.2 mil and only needed to make a few simple changes.
- Cancelling all credit cards. Combined, Tom & his wife had three credit cards with a total limit of $20,000. Even though credit cards were seldom used, due to regulations, banks must factor them in as if they were at their limits. This reduced their total borrowing power by approx—$140,000.
- Selecting the right bank that will maximise his borrowing capacity. By reverse engineering the methods each of the banks work out their borrowing capacity, we can identify crucial differences in their methods of calculation. By evaluating these differences, we determine which ones may apply to Tom’s situation and then simulate the impact. For his case, we identified the following had the biggest impact on his borrowing capacity:
- Using 100% of Tom’s overtime for the most recent three-month period. Most banks only use 80% of overtime; however, even amongst the ones that use 100%, the calculation method varies differently, causing drastic differences in results. For Tom, due to recent pay rises, his overtime income was highest in the last three months which we were able to capitalise on.
- Using his salary sacrifice as an untaxed income. Like most PAYG doctors working for a hospital, a portion of Tom’s income went towards salary sacrifice, which would be reimbursed untaxed. Different banks have varying policies on salary sacrifice, with some deducting it from your income to other adding it back as untaxed.
- Using the smallest assessment rate buffer on Tom’s existing home loan fixed at 2.19%.
We get tough home loans approved for doctors
At Mortgage Pros, we’re the professionals who doctors call to get the best home loan deals in the market. We have developed a winning formula for helping doctors all across Australia secure the best home loan deals.
Our senior brokers will return with your best home loan options in less than 24 hours. No matter your unique financial requirements, our mortgage specialists have a solution for you. Everything is risk-free, meaning you don’t have to pay us for our services. We work and negotiate on your behalf and are paid directly by the banks to create a win-win situation.
Save time and money by speaking to us about our exclusive doctor home loans today.
Why more Aussie doctors are choosing Mortgage Pros
- We’ve worked in the banks as the people approving and declining loans so know how to get your loan approved.
- Leverage our premium broker status and get faster turnaround times & cheaper interest rates.
- We have access to special divisions of the major banks that are not available to the general public. We connect you with the right lender.
- We hold your hand the entire way. We’ll keep you updated and walk you through the whole process.
- Trained some of the most knowledgeable mortgage professionals who serve the medical industry.
- Multi award winning mortgage brokerage with all brokers amongst the top 100 mortgage brokers in Australia.
60+ lenders. Doctor-only deals.
Our Lenders
Get your best home loan deal in less than 24 hours
Mortgage Pros works 7 days a week to find Australian doctors the most competitive home loan rates available.
Submit an enquiry now and get a call back within 5 minutes during business hours.
Enquire About Special Home Loans Offers For Doctors
There is no obligation, we’ll get back to you within 5 minutes during business hours.
