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Medical Professionals
Healthier home loans for doctors and medical professionals.
At Coin Capital, we specialise in home loans for medical professionals. Work in the medical field? Find out if you qualify for an LMI waiver and a range of other benefits.
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LMI waiver for medical professionals.
$6,000 to $30,000
Did you know the banks offer home loans specifically for medical professionals? It’s the well-deserved reward for those who keep our communities thriving.
Medical professionals can access exclusive banking benefits, including waivers on Lenders Mortgage Insurance (LMI) for their home or investment property loans. LMI is a one-time premium, generally 1%-5% of the loan amount, that protects the bank should a borrower default. Meaning an LMI waiver on a $600,000 loan could save medical professionals between $6,000 and $30,000 in premiums.
If you're a medical professional with a standard home loan or investment property loan, now might be the perfect time to explore more rewarding borrowing options.
Ask us about LMI waivers How LMI waivers work, and who qualifies
Borrowing Power
See what you could borrow.
Three quick questions — about you, your income and your commitments — and you’ll get an estimated borrowing capacity with a serviceability breakdown you can adjust as you go.
Which medical professionals qualify for home loan benefits?
The bank offers exceptional borrowing benefits to medical professionals in the following categories:
Nurse, midwife or allied health professional? See home loans for nurses and healthcare workers.
- General Practitioners (GP)
- Dentists
- Cardiologists
- Orthopaedic Surgeons
- Dermatologists
- Paediatricians
- Psychiatrists
- Neurosurgeons
- Oncologists
- Veterinarians
- Pharmacists
Want to know if you’re in line for an LMI waiver as a medical professional?
Find out if you’re eligibleWhy do medical professionals use a mortgage broker?
For busy medical professionals, your time is precious. And dealing directly with the banks not only consumes a lot of it, but also offers no guarantee you’re securing the most competitive home loan deal.
That's where the expertise of a mortgage broker comes in. A broker can help streamline the process, offering clarity on the diverse requirements and benefits different lenders provide, which can vary widely from one bank to another.
At Coin Capital, our expertise is built on more than a decade of experience with a broad network of over 30 Australian lenders. We're dedicated to securing the most desirable terms for your home loan, without sacrificing your valuable time. Whether it's helping you understand eligibility criteria or negotiating the most favourable interest rate, we handle the details so you can focus on your profession.
Get to know Coin CapitalHelping medical professionals pay down their loans faster.
A busy profession can get in the way of planning for the future. That’s why we offer tailored mortgage strategies to our clients, spending our time (not yours) ensuring your financial needs and long-term goals align. We offer:
- Wealth-building strategies, which leverage both your robust income and your investment potential.
- Future planning to ensure the continued growth of your assets and passive income.
- Methods to pay down debt, thanks to lower interest rates, cost-saving product features (such as offset accounts and redraw facilities) and budgeting techniques.
At Coin Capital, it’s about more than just finding competitive lending rates for doctors and other medical professionals like you. It’s about helping you find comfort in your financial future.
Talk to us about our mortgage strategies
Our Process
Securing Your Medico Home Loan is This Simple
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Step 1
Book Your Strategy Session
Schedule a brief, confidential consultation at a time that suits your clinical roster. Ronil will quickly assess your goals, evaluate your unique income structure, and confirm your eligibility for exclusive LMI waivers, medico-only rates, and a tailored dr loan mortgage.
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Step 2
The White-Glove Concierge
You focus on your patients. We'll handle the banks. Ronil leverages his ex-banking expertise to package your application perfectly. We liaise directly with your accountant to gather financials and negotiate with credit assessors to maximise your borrowing capacity.
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Step 3
Streamlined Pre-Approval
Walk away with a rock-solid pre-approval and absolute clarity on your financial position. Whether you are buying a premium home, upgrading your investment portfolio, or refinancing, you can move forward with absolute financial confidence.
5 Star Rated From 80+ Reviews
What Our Clients Say
Hear from doctors, dentists, and other professionals who trusted Coin Capital to navigate their complex incomes and secure premium property finance.
Enquire NowRonil has been an amazing finance broker. Not only did he go above and beyond, responding to me even at late hours, but he also ensured my finance approvals were completed quickly and smoothly. He always puts my best interests first and genuinely works to make my money work for me. I've been using Ronil's services for over 10 years, and I can confidently say that his professional advice and deep financial knowledge have been instrumental in building my financial stability. I'm truly grateful for his consistent support and highly recommend him to anyone looking for a trustworthy finance expert.
I recently worked with Ronil as my Finance strategist and mortgage advisor for a property purchase, and I couldn't be happier with the experience. He was incredibly knowledgeable and helpful throughout the entire loan structuring and application process, always providing clear explanations and guidance. His expertise and attention to detail truly exceeded my expectations, making what can often be a complex process feel seamless. I highly recommend Ronil to anyone in need of loan brokerage services. Thanks again for your outstanding work.
Ronil has been my broker for the last 5 years and he's still as awesome as he was then, if not better. He helped us get our first property and three properties later, I can say that it's always a pleasure to work with him. He knows his stuff, is very professional, and importantly he's a super nice and kind person, so it feels like you always have a friend in your corner as you make some of the biggest financial decisions of your life. I have recommended him to many of my friends, and they too have recommended him to others, which all speaks to Ronil and Coin Capital's competence and quality. You won't regret having him as your broker, for sure.
I had a truly great experience working with Ronil. He is an absolutely amazing financial broker - knowledgeable, dedicated, and incredibly supportive from day one. What seemed unlikely at first became possible thanks to his expert guidance and persistence. Ronil went above and beyond to help me secure the loan amount I was hoping for, and I couldn't be more grateful for his efforts. I highly recommend his services to anyone looking for a reliable and results-driven broker.
Highly recommend Ronil as your broker! He was extremely helpful, easy to work with and very knowledgeable! He made the entire process as smooth and simple as possible. He helped us through the process with great communication from the get go and made sure we got the best options available!
We had the pleasure of receiving Ronil's exceptional services as a mortgage broker over a number of years. Ronil is highly efficient, uses clear communication, and thoroughness in all his dealings, which made our experience seamless and stress-free. We were genuinely pleased with the level of expertise he brings on and helps in tailoring the service to your personal financial situation. We highly recommend Ronil at Coin Capital to anyone seeking a reliable and knowledgeable mortgage broker, as his outstanding service surpassed all our expectations.
It was a pleasure working with Ronil. Very prompt in answering any question and goes out of his way to help ensure a smooth process. I would highly recommend him and will definitely use him for any future purchase.
Your Medical Lending Specialist
Meet Ronil Shah
As a former banker with over a decade of finance experience, I've seen firsthand how traditional lenders misunderstand the complex income structures of medical professionals. I transitioned to being a specialist doctor mortgage broker to sit on your side of the table.
Having settled over $500 million in home loans for medical professionals Australia-wide, my goal is simple: to leverage my insider banking knowledge and deep lender relationships to negotiate the exclusive LMI waivers and premium structures you deserve. I handle the heavy lifting and the bank negotiations of your doctor mortgage loan so you can focus on your practice and your patients.
- Over a Decade of Ex-Banker Experience: I know exactly how bank credit assessors evaluate complex medical incomes, shift penalties, locum contracts, and trust structures.
- With $500M+ in settled loans, Ronil is trusted by hundreds of professionals Australia-wide to seamlessly manage high-value property purchases, complex investment portfolios, and tailored dr loan mortgage solutions.
- Strategic Wealth Structuring: I go far beyond just securing a low rate. I structure your loans correctly from day one to ensure you have the flexibility to build a robust, long-term property portfolio.
FAQ
Frequently Asked Questions
Everything you need to know about securing an exclusive medical professional home loan.
Which medical professionals actually qualify for a Doctor mortgage loan with 95% LVR with no LMI?
The LMI waiver is available to a wide range of AHPRA-registered professionals. This typically includes General Practitioners, Medical Specialists, Surgeons, Dentists, Optometrists, Pharmacists, and Veterinarians. Even if you are currently a medical resident or registrar, depending on your income trajectory, we have access to lenders who will extend these exact same premium waivers to you.
A large part of my income comes from overtime, shift penalties, or locum work. Will banks accept this?
If you go to a standard branch, their automated systems will often penalise or heavily "shade" irregular income. However, because we specialise in medical lending, we know exactly which lenders will accept 100% of your hospital overtime, Medicare billings, private practice dividends, and locum contracts to accurately reflect your true borrowing capacity.
I have a significant HECS/HELP debt from my medical training. Will this ruin my borrowing capacity?
It is incredibly common for our clients to have large student debts, but it shouldn't lock you out of the premium property market. Standard lenders use harsh calculators that heavily reduce what you can borrow based on HECS debt. As an ex-banker, Ronil actively selects lenders with the most generous servicing calculators specifically designed for medical professionals, minimising the impact of your student debt.
How does a Doctor Mortgage Loan provide more borrowing power than a standard loan?
A specialised Doctor Mortgage Loan is designed around the high-earning potential of medicos. While standard banks might "shade" your overtime or locum income, these specific loan structures allow for 100% of your total medical income to be considered, often alongside an LMI waiver up to 95% LVR.
Are Medical Professional Home Loans only for General Practitioners?
No. Our Medical Professional Home Loans are available to a broad range of AHPRA-registered specialists, including Surgeons, Dentists, Veterinarians, and Optometrists. We ensure your specific profession's income nuances are matched with the right lender policy.
Free Consultation
Book a time that suits your roster.
A 30-minute video call with Ronil, at no cost and with no obligation. Pick a slot below and you’ll get a confirmation straight away.
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