Home Loans

Tailored home loan solutions for Australian doctors at every stage of their career

At Hatch Financial Services, we specialise in helping medical professionals secure the right home loan—with exclusive benefits, lower costs, and expert guidance tailored to doctors. Whether you’re a junior doctor buying your first home, a GP upgrading your family home, or a specialist looking to refinance or invest, we’re here to help you make the most of your position.

Why Choose a Specialist Broker for Doctor Home Loans?

Doctors in Australia are viewed favourably by lenders—thanks to strong incomes, low default risk, and stable career paths. That means you may be eligible for benefits that aren’t available to the general public, including:

Borrowing up to 90–95% of the property value with no Lenders Mortgage Insurance (LMI)
Discounted interest rates with select lenders
Higher borrowing capacity due to favourable income treatment
More flexible loan policies for self-employed or contracting doctors

But not all lenders offer these perks—and not all brokers know how to access them.

At Hatch, we’ve helped hundreds of Australian doctors navigate the complex lending landscape. We know which banks provide the best home loan options for medical professionals, and we tailor your application to maximise benefits and reduce costs.

Home Loans for Every Stage of Your Medical Career

No matter where you are in your medical journey, we help you secure a home loan that supports your lifestyle and long-term goals.

Upgraders

Need more space for your growing family? We’ll help you tap into equity, maximise borrowing capacity, and structure your loan for flexibility as your career and personal needs evolve.

First Home Buyers

Take advantage of LMI waivers and low-deposit options that let you buy sooner—without compromising your financial future. We also help you access state-based grants, stamp duty concessions, and the First Home Guarantee (if eligible).

Property Investors

Looking to build wealth outside your practice? We work with doctors who are investing in residential and commercial property, structuring loans for maximum tax efficiency and long-term growth.

Real Results for Real Doctors

We recently helped a junior doctor purchase a $1.2 million property in Melbourne with just a 5% deposit—and no LMI. Without access to a specialist broker, they would have paid over $40,000 in insurance costs unnecessarily. We secured a competitive rate and structured the loan with an offset account to support their savings strategy.

Self-Employed & Practice Owners

Running your own practice or contracting through a company or trust? We understand complex financials and know how to present your income to lenders to maximise your borrowing power.

Refinancers

Think you’re paying too much on your current home loan? We’ll review your existing loan and refinance you into a better deal—potentially saving you thousands in interest and giving you more control over your finances.

Who Qualifies for Doctor Home Loans?

You don’t need to be a specialist with years of experience to qualify. Many lenders extend benefits to a wide range of medical professionals, including:

Interns and Hospital Residents

Registrars and GPs

Specialists (e.g. anaesthetists, surgeons, radiologists)

Dentists and Dental Specialists

Self-employed Practitioners and Practice Owners

Medical Researchers and Academics

Psychiatrists and Psychologists

Locum and Contracting Doctors

Veterinarians

Physiotherapist

Chiropractor

Optometrist

Registered Nurses &Midwives

Pharmacists

Occupational therapist

Podiatrist

Radiographer

Sonographer

Speech Pathologist

Not sure if you qualify? We’ll review your situation and quickly let you know what home loan options are available to you.

Key Features of Doctor Home Loans

No LMI up to 90–95% LVR

Save thousands in upfront costs. Many doctors are eligible to buy with as little as 5–10% deposit without paying LMI—a one-off fee that can otherwise cost tens of thousands of dollars.

Specialised Lending Policies

Banks that understand your career path are more likely to accept income from allowances, overtime, billings, and locum work—even if you’ve just started out or recently changed roles.

Competitive Interest Rates

Select lenders offer discounted rates on doctor home loans due to your profession. We negotiate on your behalf to ensure you’re getting the best possible deal.

Flexible Loan Structures

We tailor your loan to your broader financial goals—whether you need an offset account, split loan, interest-only repayments, or a structure that supports your investment strategy or tax planning.

Ready to Secure the Right Doctor Home Loan?

At Hatch Financial Services, we’re here to help you unlock the full benefits of your profession—and secure a home loan that supports your lifestyle today and your financial goals tomorrow.

Whether you’re buying your first home, refinancing, or investing, we’ll help you make the most of your position with a loan that fits.

Book a free consultation today and take the first step toward a smarter home loan.

Why Work With Hatch Financial Services?

We don’t just match you with a bank—we guide you through every step of the process.

Industry Expertise

We specialise in doctor home loans and understand the unique challenges and opportunities you face

Access to Over 40 Lenders

We compare the market and present the best options for your specific situation

End-to-End Support

From pre-approval to settlement (and beyond), we’re with you the whole way

End-to-End Support

From pre-approval to settlement (and beyond), we’re with you the whole way