Medico & Professional Loans
Medical practitioners, dental specialists, legal partners, and chartered accountants qualify for tier-one lender privileges. We unlock zero-LMI policies up to 90-95% LVR and generous income shading exemptions.
Key Strategic Advantages
How our accredited credit advisors structure this finance to protect your wealth and cash flow.
Zero Lenders Mortgage Insurance up to 90-95% LVR
Purchase property with as little as a 5-10% deposit and pay $0 in LMI, keeping cash liquid for investments.
Complex Income & Locum Recognition
We work with private banking credit teams who understand locum billings, Medicare income, and trust distributions.
Commercial Medical Freehold Financing
Fund up to 100% of commercial premises for your private clinic, dental practice, or consulting rooms.
Bespoke Private Banking Access
Enjoy concierge credit approval turnarounds and customized discretionary interest rate discounts.
Calculate Your Medical & Professionals Numbers
Test scenarios using real-time Australian lending criteria.
The Medical & Professionals Approval Process
AHPRA / Professional Verification
We verify your accreditation and determine which lenders offer the highest tier policy waiver.
Income & Structuring Packaging
We package company, trust, and private billings for maximum borrowing capacity.
Private Banking Submission
We submit directly to specialist medical underwriting desks for VIP assessment.
Settlement & Rate Retention
We finalize your purchase with zero LMI and monitor ongoing rate competitiveness.
Medical & Professionals Frequently Asked Questions
Does using Gravity Financial cost me anything?
No. Our complete mortgage advisory, comparison, packaging, and loan management is provided as a value added service with $0 out-of-pocket broker fee. We are remunerated directly by the chosen lender upon successful settlement of your loan. Lenders cannot charge you a higher interest rate or fee for going through a broker — in fact, we often negotiate exclusive broker-only discounts and cashback rebates.
How do doctors, dentists, and legal professionals qualify for zero-LMI loans?
Major lenders have specialized private banking policies that recognize registered medical practitioners (AHPRA registered GPs, surgeons, dentists, vets, pharmacists) and legal partners as extremely low-risk borrowers. Under these policies, eligible professionals can borrow up to 90% or even 95% of a property's purchase price without paying a single dollar in Lenders Mortgage Insurance, saving up to $40,000+ upfront.