Home loans for medical professionals

Medical income can include salary, overtime, private practice, contracts and business income, and lenders do not assess every component the same way.

What John checks first

John checks registration, employment structure, income history, liabilities and property plans against lenders that may have relevant professional policies.

PAYG, contractor, partnership or private-practice income
Base salary, overtime, allowances, bonus and secondary employment
Registration and eligible-profession requirements
HECS-HELP, personal debt and credit-card limits
Deposit, LVR, property type and intended use

Talk through your home loan options as a medical professional with John

Share the outline of your home loan options as a medical professional. John will review the relevant details and aim to respond by the end of the next business day.

Full name (required) Mobile number (required)

Email address (required) What would you like to do? (required)

Property price or loan amount Deposit or equity

Employment type Timeframe

Anything else John should know?

Please do not enter passwords, tax file numbers, account or card numbers, dates of birth or identity-document details in this form.

Credit assistance is subject to assessment, lender policy and responsible lending requirements.

Documents that may help

Recent payslips and employment contract
Income statement or tax returns where required
Evidence of registration or qualifications if a lender requests it
Statements for existing debts and available funds
Business financials for private-practice income

Important limits

Professional packages are lender-specific and not automatic
Higher-LVR or LMI outcomes still depend on the full application
Future income cannot always replace verified current income
A lower deposit can increase costs and repayment risk

General information only. Any personal credit assistance requires a review of your objectives, financial situation and needs. Approval remains subject to lender assessment and criteria.