Home loans perks for Healthcare workers, Accountants, Lawyers & other professional roles
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Healthcare workers & other professionals can benefit from certain lender policies.
If you’re a Doctor, Dentist, Accountant, aged care, healthcare or other professional in a range of different roles and industries, you could get a lower interest rate, LMI waived or other great perks on your home loan.
Before lending money to any borrower, every financial institution will consider a loan applicant’s financial history and credit record to determine their ability to repay the loan amount.
Certain borrowers are seen as lower-risk by lenders and in-turn, receive special consideration. If you're a Doctor, Dentist, other medical professional, Account, Lawyer or in other professional career in a long list that we are experts in, you could have the option of saving thousands on your home loan or other excellent perks.
Some lenders offer specialist home loans for professionals with a range of attractive discounts, including discounted fees, better interest rates, higher loan-to-value ratios (LVRs) and the ability to avoid lenders’ mortgage insurance (LMI) payments altogether.
To discuss the deals that you could be eligible for being in your Profession, book an appointment with us online, or call us on 07 5676 6433
How do professional home loans work?
These types of loans can be used to buy your first home or your next home, to switch from your current mortgage to a better one, to purchase an investment property or to build a new home.
However, while they’re set up in much the same way as regular loans, if you’re a highly-paid professional you can get a home loan with a range of attractive benefits and features to reflect the fact that you’re considered a low-risk borrower.
For example, some lenders will allow you to borrow up to 90% of the value they plan to purchase (and sometimes more) without having to take out LMI (lenders’ mortgage insurance). Under a regular home loan, however, this type of insurance is usually compulsory if you need to borrow more than 80% LVR. Some lenders will even lend you 100% if you’re an owner occupier, but note that you’ll need to pay LMI if you borrow this much.
Other potential benefits of home loans for medical and other professionals include discounted interest rates and waived loan fees.
Call us today on 07 5676 6433 or book an appointment with us directly online.
Smoother experience as they have all your information.
Better understanding of your financials to provide tailored advice. 
Faster response compared to being matched with a new broker.
