Estimate what you can actually borrow with medico-specialist lender policies — including 100% LVR options for junior doctors.
Important: Output is indicative only. Actual borrowing capacity depends on the specific lender's policy, current rate environment, employment type, complete liability profile, and individual credit assessment. Lender criteria change. Pre-approval requires full document submission and lender review.
Pre-approval involves full document collection, credit checks, employment verification, and lender-specific policy application. The calculator uses standard assumptions; pre-approval uses your actual data.
Subject to lender criteria, yes. Specific medico-specialist lender panels offer 100% LVR (and some 105% LVR) for eligible junior doctors with appropriate documentation. Genuine savings of $10,000–$20,000 are typically still required.
Definitions vary by lender. Generally includes interns, residents, registrars, JMOs, specialists, and sometimes dentists, vets, and other medical professionals. AHPRA registration typically required.
Some medico packages include rate discounts (typically 0.10%–0.20% below standard variable). Other lenders offer the LVR benefits but at standard rates. The package details matter.
Yes — joint applications typically increase borrowing capacity, particularly when the second income is documented. Spouse credit history is also assessed.
The calculator gives an indicative answer. A 15-minute consultation gives you specific guidance for your facts. Free, no obligation.
General Advice Warning. The information and calculator output on this page is general information only and does not take into account your personal objectives, financial situation, or needs. Calculator outputs are illustrative and based on stated assumptions. Actual outcomes vary materially. Before making any financial, tax, credit, or property decision, seek personal advice from a qualified adviser. Tax law and lender criteria change. Past performance is not a reliable indicator of future performance.