Home Loans for Doctors
Doctor home loans – why choose Buyvest as your mortgage broker
Buyvest specialises exclusively in home loans for doctors. We provide access to exclusive home loan products and low-rate home loans unavailable to general mortgage customers. Compare home loans with Australia's best mortgage broker for medical professionals.
Zero LMI for doctors at 95% LVR
Buyvest helps doctors borrow up to 95% of your home loan value with zero LMI payments. We access specialist doctor home loans that waive lenders mortgage insurance entirely – something traditional mortgage brokers cannot offer you.
Low-rate home loans for doctors
Buyvest's mortgage brokers negotiate exclusive rates below advertised prices through direct relationships with Australia's best mortgage banks. We compare home loans exclusively for doctors and secure discounts available only to medical professionals.
Access to over 35 lenders
Buyvest connects doctors with 35+ best home loan lenders – including exclusive specialist divisions of major banks. Access home loan products and rates that general public mortgage brokers cannot reach.
Home loan specialists for doctors
Buyvest specialises exclusively in doctor home loans. We understand medical professional income structures and get approved at higher rates than standard mortgage brokers – because doctors are our specialty.
Tailored home loans for doctors
Buyvest understands doctors' unique financial situations – complex income, irregular bonuses, investment properties. We tailor solutions specifically for medical professionals, not generic borrowers.
Risk-free for doctors
Zero upfront costs. Buyvest is paid by lenders, not you. We work entirely for your benefit as your doctor home loan specialist – that's how we deliver true value.
Best home loans for doctors – top mortgage broker Australia
Specialist mortgage broker providing exclusive home loans for doctors and medical professionals across Australia. Compare home loans with LMI waivers, low-rate home loans, and 100% financing. Find the best mortgage broker for your needs.
Free home loan quoteDoctor home loans with Buyvest – LMI savings for medical professionals
See how much you can save with best mortgage loans at 95% LVR. Compare home loans and discover exclusive low-rate home loans for medical professionals.
Our specialist home loan broker services help doctors and medical professionals compare home loans and access exclusive home loan waivers not available through standard banking channels. Working with a home loan specialist who specialises in doctor mortgages means you can access low-rate home loans and borrow significantly more without expensive lenders mortgage insurance costs. When applying for home loans, best mortgage brokers understand your unique income structures.
Doctor home loans types – what works for doctors with Buyvest
Understanding mortgage types helps you choose the best home loan strategy. Compare different types of mortgage loans available through our mortgage broker services.
Fixed rate home loans
Lock in your best mortgage loans rate for complete budget certainty. Fixed interest rate home loans protect against rate increases and are ideal for doctors seeking stability with mortgage types.
Variable rate mortgage loans
Flexible mortgage options that move with market conditions. Variable rate home loans offer redraw facilities and access to best home loans when rates decrease. Compare variable mortgage loans through our top mortgage brokers.
Interest-only home loans
Designed for investment property mortgages and specialised strategies. Interest-only mortgage loans offer flexibility on investment properties. Our mortgage specialist team helps with types of home loans for investors.
Split home loans
Combine fixed and variable portions in one home loan strategy. Split mortgage loans give you flexibility across different loan types. When applying for home loans, split mortgages are one of the best mortgage loans options.
100% offset accounts
Maximise your savings by offsetting your home loan balance. 100% offset accounts reduce interest and help you pay off your home loan faster. Buyvest helps optimise your offset strategy with the best home loans.
Home loan redraw facility
Access extra payments you've made to your home loan when you need funds. Home loan redraw facilities offer flexibility for unexpected expenses. Compare redraw options available through our best mortgage brokers and top-rated mortgage lenders.
How doctors apply for home loans with Buyvest
Applying for home loans is simple when you work with a best mortgage broker. Here's how to get a mortgage loan and find the best home loan rates for your situation.
1. Talk goals, plans & get ready
Discuss your home loan goals and financial plans with Buyvest. Let us help you prepare for applying for home loans, including paperwork organisation and pre-approval. When applying for mortgage, doctors benefit from our expert guidance on types of home loans and best home loan options.
2. Compare loans & choose
We review your finances and compare home loans across 35+ best home loan lenders and best mortgage banks. Buyvest explains your choices so you make the right call. Applying for a house loan becomes easy when comparing low-rate home loans and best home loans available.
3. Finalise & stay supported
We handle settlement, coordinate with solicitors, arrange property valuations, and provide ongoing support. After applying for mortgage, Buyvest specialist team ensures smooth completion. Get a mortgage loan approved and receive continued support throughout the entire home loan process.
Documents needed for doctor home loan application
Have these ready to streamline your approval process and get pre-approved faster.
Personal Identification
Australian passport or driver's license (with photo, full name, DOB, current address), plus citizenship certificate or birth certificate. We keep everything secure and confidential.
Proof of Income
Two recent payslips from current employer, or 2 years' tax returns if self-employed. For contract/casual work, employment letters plus payslips covering at least the last 12 months.
Financial Statements
Latest bank statements (3 months), savings account statements, and internet banking history showing your current financial position.
Existing Debt Information
Statements for all existing home loans, car loans, credit cards, and personal loans. We need to calculate your full debt servicing capacity.
AHPRA Registration
Current AHPRA registration certificate confirming your status as a medical professional. This unlocks your exclusive doctor lending benefits.
ABN & Business Documents (If Self-Employed)
ABN registration, 2 years' tax returns, BAS statements, and recent invoices or business statements showing your practice income.
Buyvest – best mortgage broker for doctors in Sydney & nationwide
Whether you're a GP in the Inner West, a surgeon in the Northern Beaches, or a specialist anywhere in Australia, Buyvest has the local expertise and national connections to secure your best home loan rates.
Sydney & NSW specialists
Our Buyvest team works directly with medical professionals across NSW – from Ryde to the Inner West to the Central Coast. We understand Sydney's competitive property market and have exclusive relationships with lenders who recognise doctors as premium borrowers. Doctors in NSW save an average of $35,000+ through our specialist rates.
National network of lenders
Access doesn't stop at state borders. Buyvest connects doctors with 35+ lenders nationwide, including exclusive products only available through our mortgage broker relationships. Whether you're buying in Melbourne, refinancing investment properties across multiple states, or relocating, we leverage national partnerships for consistent best-in-market rates.
Local market knowledge
Beyond rates, Buyvest understands local markets. We know which Sydney postcodes attract premium valuations for doctors, how to structure loans for interstate investment properties, and which lenders are most responsive to medical professional applications. That insider knowledge translates to faster approvals and better terms.
How we handle complex doctor income
Standard brokers struggle with medical professional income. We don't. Here's how we maximize your borrowing capacity:
How Buyvest's lender relationships give doctors a competitive advantage
Buyvest isn't just another broker. We have direct negotiating relationships with Australia's top lenders – meaning we access rates, products, and LMI waivers that never reach general customers.
Our mortgage broker team has spent years building relationships with Australia's best mortgage banks and specialist lenders. That's not just about access – it's about leverage. When we present a doctor's application through Buyvest, lenders know it's from a broker who understands medical professional income, brings quality applications, and drives volume business. That translates to better rates, faster approvals, and exclusive products. We negotiate rates 0.3-0.8% below advertised prices, waive LMI for 95% LVR loans, and access settlement cashback programs that most doctors never see.
Big 4 banks – exclusive doctor products
Commonwealth Bank, NAB, ANZ and Westpac all have specialist divisions that focus on high-income professionals. Buyvest has dedicated contacts in these divisions who understand doctor income structures instantly. We don't go through normal lending channels – we bypass them. Result: Doctors get pre-approval in days, not weeks.
Specialist lenders – products built for doctors
Beyond the Big 4, Buyvest connects with lenders who specialise exclusively in medical professionals. These lenders offer 95% LVR with zero LMI, investment property solutions, and refinance programmes designed specifically around doctor income patterns. They're fast, flexible, and understand your financial situation better than mainstream lenders.
Buyvest's negotiating power – better rates
We don't accept advertised rates. When comparing home loans across 35+ lenders, we negotiate exclusive discounts for every doctor we represent. That direct relationship means you get significantly lower rates than what's publicly available, resulting in meaningful savings across the life of your loan.
Doctor specialties – who qualifies for Buyvest home loans
Our best home loan broker specialises in home loans for all types of medical professionals. Apply for home loans and discover the best mortgage loans for your specialty.
Requirements for Best Home Loans: Currently employed as a doctor or qualified medical professional with AHPRA registration. No minimum income requirements to access our best home loans and exclusive mortgage rates. Buyvest team can assess eligibility for all medical professions.
Buyvest success stories – doctor home loans that got approved
See how Buyvest helped doctors achieve their home loan goals using our SMART approach to medical professional lending.