Doctors qualify for lending policies most professionals never see. Up to $25,000 of LMI typically waived on a $1M purchase. Higher borrowing capacity. Discounted rates. We're a licensed broker that specialises in medical lending — subject to lender criteria.
Illustrative values. Actual savings depend on lender, loan size, LVR, profession, income type, and current lender policy. Lending outcomes are subject to lender criteria and credit assessment. Not all doctors qualify for all policies.
Match loan structure to your long-term financial plan. Owner-occupier, investment, refinance, debt recycling — each requires a different structure. We design the structure before we apply.
Access medico lending policies most doctors don't know exist. Higher LVR. LMI waivers. Discounted rates. Higher borrowing capacity for the same income. Compounded over a career, the difference is substantial.
Structure the loan to preserve flexibility — interest-only periods, offset accounts, debt recycling splits, redraw facilities. So you can adapt as life changes without refinancing every time.
Owner-occupier purchases and refinances. Specialist medico panel of lenders. Up to 95% LVR no LMI for eligible doctors.
Structured for tax efficiency. Interest-only periods. Separate splits for debt recycling. SMSF property loans where applicable.
Up to 100% LVR for interns, residents, registrars, and PGY1–PGY3. No deposit beyond genuine savings.
Buy into a practice, buy out a partner, or acquire a fresh practice. Specialist lenders, specialist policies.
For consulting rooms, day surgery facilities, allied health premises. Often combined with SMSF structures.
Medical equipment, imaging, dental chairs, surgical robotics. Chattel mortgages, novated leases, hire purchase.
Set up the loan splits and offset accounts that make debt recycling possible without restructuring later.
Annual review of your existing loans against current market and your medico eligibility. Many doctors are paying more than they need to.
Indicative only. Actual borrowing capacity, LVR, LMI waiver eligibility, and rates depend on lender, income type, existing commitments, credit history, dependants, and current lender policy. Subject to lender criteria and credit assessment.
Estimate your borrowing capacity →Book a complimentary 15-minute consultation. We'll review your income, employment type, and goals, and tell you which lenders to approach and what borrowing capacity they're likely to extend.
We work with the specialist lenders who genuinely understand medical income — RPP, locum, registrar contracts, partnership distributions. They assess these correctly, not conservatively.
Finance Brokers Association of Australia member. Australian Credit Licence arrangements. Best-interests duty applies.
We coordinate your loan structure with your tax position — interest-only periods, deductible splits, offset arrangements — so the loan supports the broader strategy.
I've been using MNM since the beginning of the year and I'm very happy. The company is effective and efficient and incredibly knowledgeable for my needs. Finance is not my comfort area but Miraj keeps me well informed and reassured whenever I'm nervous about finances.
Book a complimentary 15-minute consultation. We'll tell you which medico lending policies you actually qualify for — before you start house-hunting.