At Clear Path we support, a huge number of medical professionals - Please get in touch if you don't see your profession on this list. • Anaesthesiologists/anaesthetists • Cardiologists • Chiropractors • Cosmetic surgeons • Dentists • Dental surgeons • Dermatologists • Doctors, Intern Doctors & General Practitioners • Epidemiologists • Endocrinologists • Gastroenterologists • Gynaecologists • Immunologists • Medical resident • Medical registrar • Neurologists • Obstetricians • Oncologists • Ophthalmologists • Optometrists • Orthodontists • Paediatricians • Pathologists • Pharmacists • Plastic Surgeons • Psychiatrists & Psychologists • Radiologists • Rheumatologists • Surgeons • Urologists • Veterinarians

Exclusive doctor home loans are unavailable for medical practitioners such as naturopaths or medical research scientists. Every case and lender is different. Your senior mortgage broker can provide you with clarity and immediately give you an answer on your eligibility.

Depending on your financial situation, eligible medical practitioners can either receive no lenders mortgage insurance, borrow up to 100% LVR or, in some special instances, even receive both. The type of home loan discounts varies from lender to lender and is sometimes dependent on external market conditions. We encourage all doctors or medical professionals to speak directly with us, at any given time to discuss present-day discounts and exclusive deals.

Doctors often have unusual income structures that all banks do not accept. You don’t want to be caught out by approaching a bank that won’t accept your income. Here is a breakdown of various income structures (applicable to doctors and other medical professionals) that lenders will accept: • Base PAYG salary for permanent part/full time: 100% is accepted • Casual Income: 100% is acceptable. Most banks require 12 months with your current employer. However, a few banks can consider casual income with as little as 3 months with your employer. • Overtime: A few banks will consider 100%; however, most banks generally only accept 80%. You will need to be with your employer for at least 3 months. • Allowances: Depending upon the allowance, 100% can be considered; otherwise, generally, only 80% is acceptable. • Invoices paid to your ABN: 2 year tax returns are generally required. However, depending on how long you’ve been getting paid through invoices, a combination of invoices, BAS, interim tax returns & evidence of your previous income can be accepted. • Business income from running your practice: 2 year tax returns are generally required. However, depending on how long you’ve been self-employed, a combination of business activity statements & interim tax returns can be accepted.

Depending on your financial situation and history, we negotiate on your behalf for the lowest home loan interest rates available for doctors. Note that interest rates are highly personalised and vary for every individual.

In short, yes! We specialise in helping Australian doctors get the toughest of home loans approved, even at competitive interest rates. Our experienced team of mortgage specialists and credit managers has assessed the financial situation of thousands of medical professionals. We understand the financial challenges that many doctors and medical professionals face. As a result, we have built practical processes that eliminate common obstacles and get tough home loans approved quickly. You’re not alone! Speak with our senior mortgage broker today and fill us in on your home loan situation. Our team of mortgage experts are here to help.

Unfortunately, nurses are not eligible for home loans for doctors. This applies to all types of nurses, including clinical nurses, aged care nurses, theatre nurses etc. The good news is that some nurses may fit the eligibility criteria for certain LMI waivers. As a nurse, you may be eligible for waived LMI at 90% should you earn over $90,000.