Home loans designed for Doctors
Doctors
Up to 95% LVR. No Lender's Mortgage Insurance. HECS excluded. Future income accepted. An exclusive medico policy most brokers can't offer.
Trusted by 1,000+ medical professionals
Medico Policy
Your personalised result
LMI Premium
Waived
Maximum LVR
No LMI required
Accredited with Australia's leading lenders
Exclusive medico lending policy
Decades of lending experience
Built for medical careers
$0 LMI on loans up to 95%
Your medico advantage
Four things your bank won't offer you
Borrow up to 95% — with zero LMI
Most borrowers at 90% LVR pay $15,000–$25,000 in LMI. Under our medico policy, you pay $0.
Genuine savings of 5% required for 90–95% LVR. Subject to lender approval and credit criteria.
Your HECS debt disappears from the equation
$80,000 in HECS typically costs $80,000–$120,000 in borrowing capacity at most banks. Our medico policy excludes it entirely.
We lend on where you’re heading, not where you are
A PGY-2 earning $95K with a consultant pathway to $250K+? Our medico policy lends on your trajectory — so you can buy now.
Requires evidence of training program enrolment and career progression. Subject to lender assessment.
Lower repayments when you need it most
On an $800K loan, a 35-year term saves $308/month vs 30 years — breathing room during your registrar years.
Wherever you are in your career
We've helped doctors at every stage
Just starting out? You’re not too early.
Future income acceptance and HECS exclusion mean your borrowing power is much higher than most banks will show you.
Simple by design
Three steps. That's it.
Tell us about your career
Your role, career stage, and goals. We match you with the right policy and lenders. Takes 2 minutes.
We find your best-fit options
We apply your medico policy benefits and search 45+ lenders to find what genuinely suits your situation.
Settle with a real person by your side
Choose your option and we handle the rest. You get a dedicated relationship manager at no cost.
No credit check. No commitment. No paperwork at this stage.
Real savings, real numbers
What this actually means in dollars
$22,000
Average LMI saving
Most borrowers pay $15,000–$25,000 in LMI on a $1M property. Under our medico policy, you pay $0.
$100K+
Extra borrowing power
$80K in HECS typically costs $80,000–$120,000 in borrowing capacity. Our medico policy excludes it entirely.
$308/mo
Monthly saving on 35-year terms
On an $800K loan at 6.0%, 35-year terms save $308/month vs 30 years during your training years.
Figures are indicative and based on general assumptions. Your actual savings depend on loan amount, LVR, income, and lender assessment. All lending is subject to credit approval.
From doctors who've been where you are
They asked the same questions you have
I was a PGY-3 with $95K HECS. Wity showed me I could borrow enough for a 3-bed in Brisbane — and saved me $21,000 in LMI. I settled four months after my first call.
My bank offered 80% LVR and wanted full LMI. Wity got me 90% with zero LMI through their medico policy. Same property, same income, completely different outcome.
As a dentist, I assumed ‘medico home loans’ meant doctors only. Wity treated me exactly the same — 95% LVR, no LMI, HECS excluded.
We bought our first investment property while I was still a registrar. Hark structured the application in a way I didn’t know was possible — future income, standalone security, offset strategy.
I was a PGY-3 with $95K HECS. Wity showed me I could borrow enough for a 3-bed in Brisbane — and saved me $21,000 in LMI. I settled four months after my first call.
My bank offered 80% LVR and wanted full LMI. Wity got me 90% with zero LMI through their medico policy. Same property, same income, completely different outcome.
As a dentist, I assumed ‘medico home loans’ meant doctors only. Wity treated me exactly the same — 95% LVR, no LMI, HECS excluded.
We bought our first investment property while I was still a registrar. Hark structured the application in a way I didn’t know was possible — future income, standalone security, offset strategy.
I was a PGY-3 with $95K HECS. Wity showed me I could borrow enough for a 3-bed in Brisbane — and saved me $21,000 in LMI. I settled four months after my first call.
My bank offered 80% LVR and wanted full LMI. Wity got me 90% with zero LMI through their medico policy. Same property, same income, completely different outcome.
As a dentist, I assumed ‘medico home loans’ meant doctors only. Wity treated me exactly the same — 95% LVR, no LMI, HECS excluded.
We bought our first investment property while I was still a registrar. Hark structured the application in a way I didn’t know was possible — future income, standalone security, offset strategy.
I was a PGY-3 with $95K HECS. Wity showed me I could borrow enough for a 3-bed in Brisbane — and saved me $21,000 in LMI. I settled four months after my first call.
My bank offered 80% LVR and wanted full LMI. Wity got me 90% with zero LMI through their medico policy. Same property, same income, completely different outcome.
As a dentist, I assumed ‘medico home loans’ meant doctors only. Wity treated me exactly the same — 95% LVR, no LMI, HECS excluded.
We bought our first investment property while I was still a registrar. Hark structured the application in a way I didn’t know was possible — future income, standalone security, offset strategy.
4.9
Average Google rating
1,000+
Medical professionals helped
$0
LMI paid by medico clients
Questions we hear every week
Answers from someone who gets it
Ready to see your options?
Your next home starts with one question
Tell us about your career and your goals. We'll show you what's possible.
Free. No credit check. Takes 2 minutes.
Not a doctor or dentist? You might still qualify.
AHPRA-registered allied health professionals have a dedicated lending policy — up to 90% LVR with no LMI.
The medico lending policy described on this page is offered through a specialist lending partner and is subject to that lender's credit criteria, terms, and conditions. Eligibility is assessed on a case-by-case basis. The information on this page is general in nature and does not constitute personal financial advice. Wity is the trading name for Wity Pty Ltd ACN 624 943 559 | Authorised credit representative 508333, a related body corporate of NF84 Pty Ltd (NF84), which holds Australian Credit Licence 531736. Wity and NF84 are subsidiaries and related body corporates of NF84 Pty Ltd (ACN 629 183 633).