Mortgage broker for doctors Melbourne
As a mortgage broker for doctors in Melbourne, XLOANS helps medical professionals access lender benefits most borrowers never see — including LMI waivers with as little as a 10% deposit and sharper rates.
Special lending benefits for doctors
Many lenders treat medical professionals as low-risk borrowers and offer perks accordingly. A mortgage broker for doctors in Melbourne knows exactly which lenders waive Lenders Mortgage Insurance for eligible medicos.
An LMI waiver can save you tens of thousands and let you buy sooner with a smaller deposit.
Who qualifies
- GPs, specialists, surgeons, anaesthetists and many other medical roles.
- Often dentists, optometrists, vets and pharmacists with select lenders.
- Eligibility and the maximum LMI-waiver loan vary by profession and lender.
- We confirm your exact benefits before you apply.
Borrow more with a smaller deposit
With an LMI waiver, eligible doctors can often borrow up to 90% — sometimes 95% — of the property value without paying mortgage insurance.
That means buying sooner, keeping more cash in reserve, or stretching into the suburb you really want.
Built around busy schedules
We know doctors don't have time to chase banks. We handle the comparison, paperwork and lender liaison, and work around your roster.
One point of contact, plain-language updates, and a process designed to fit a demanding career.
Free and Melbourne-based
Our service is free to you; we're paid by the lender and disclose it. You get specialist medico lending advice at no cost.
Whether you're buying your first home, upgrading or investing, we find the lender with the best doctor benefits for you.
Frequently asked questions
This page is general information only and not financial advice. Lending criteria, rates and government schemes change — speak to a XLOANS broker for advice tailored to your situation. XLOANS is a Melbourne-based mortgage broking service.
Are you a doctor buying in Melbourne?
A XLOANS broker will unlock your medico lending benefits — free, in a no-obligation 15-minute chat.