Investment property loans for doctors and medical professionals.
A strong, growing income puts medical professionals in a good position to invest in property. The right lender and the right structure from day one make it much easier to keep building.
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Medico benefits on investment loans.
- LMI waivers. Some lenders extend their medico LMI waiver to investment properties, so you can invest with a smaller deposit.
- Using your equity. Equity in your home can often fund the deposit and costs for an investment purchase.
- Income recognised properly. Lenders that count your overtime, locum and private income give you more room to grow a portfolio.
- Professional pricing. Medico discounts can apply to investment lending with some lenders, not just owner-occupied.
Structure matters more than rate.
How your loans are set up affects your cash flow, your flexibility and how easily your accountant can work with them. We think about:
- Keeping loans separate for your home and each investment, rather than cross-securing properties.
- Offset accounts in the right place, so your savings reduce the interest that matters most to you.
- Interest-only versus principal and interest periods, weighed against your goals and lender rules.
- Future borrowing capacity, so your next purchase isn’t capped by how you set up this one.
We’re not tax advisers, so we work alongside your accountant on the tax side of any investment strategy.
Planning your next step.
Whether it’s your first investment property or your fourth, we’ll map out how much you could borrow, which lenders suit your plans, and how to sequence purchases so each one sets up the next.
Book a free strategy callInvestment loans: common questions
Can doctors get an LMI waiver on an investment property?
With some lenders, yes. Others limit their medico waiver to owner-occupied homes. We’ll show you which lenders apply it to investment loans for your situation.
Can I use equity in my home to buy an investment property?
Often, yes. Many investors use a separate loan secured against their home’s equity to fund the deposit and costs, keeping each loan distinct.
Should I get tax advice before investing?
Yes. We handle the lending, and we recommend speaking with your accountant about tax, ownership structure and negative gearing before you buy.