MEDICO & PROFESSIONAL PACKAGES

Exclusive Financing for Doctors, Lawyers & Accountants.

Borrow up to 90% or 100% of your property value with completely waived Lenders Mortgage Insurance (LMI) and access private banking tier rate discounts across Australia's leading lenders.

PREMIUM LENDING PRIVILEGES

Why Professional Borrowers Get Better Terms

Major Australian banks consider registered medical practitioners, chartered accountants, and legal professionals to be low-risk borrowers with exceptional earning stability. Because of this, select lenders operate specialized Private Medico & Professional Divisions with underwriting waivers not offered to retail bank customers.

At Top Deal Finance, we connect you directly into these elite lender tiers to eliminate LMI fees and negotiate unpublished discounts:

100% Waived LMI

Save anywhere from $15,000 to $45,000+ in insurance costs. Borrow up to 90% (or up to 100% with select medical packages) without paying a single dollar in Lenders Mortgage Insurance.

Private Banking Interest Discounts

Unlock bespoke rate discounts that sit well below public standard variable rates, specifically tailored for high-earning professionals.

Commercial & Practice Finance

Looking to buy your medical practice premises, legal chambers, or specialised diagnostic equipment? We arrange tailored commercial facilities.

Dedicated Priority Assessment

Skip the standard retail underwriting queue. Your application is reviewed by dedicated professional lending units with rapid 24 to 48-hour turnarounds.

ELIGIBILITY OVERVIEW

Eligible Professional Occupations

Eligibility varies slightly between lenders, but generally applies to qualified and registered members of approved professional associations:

Medical & Dental

GPs, Surgeons, Dentists, Anaesthetists, Psychiatrists, Optometrists, Vets, Pharmacists, Physiotherapists.

Legal Industry

Solicitors, Barristers, Partners of legal firms, Judges, Senior Corporate Legal Counsel.

Accounting & Finance

Certified Practising Accountants (CPA), Chartered Accountants (CA), Actuaries, CFA charterholders.

EXPERT FAQS

Professional Loan FAQs

Yes! Several major lenders recognize interns, resident medical officers (RMOs), and registrars as eligible for 90% to 100% LMI waiver schemes, even with only a few months of clinical practice history.

On a $1,200,000 property purchase with a 10% deposit ($120,000), standard Lenders Mortgage Insurance normally costs approximately $32,000 to $40,000. Through our professional waiver policy, this fee is reduced to $0.

Yes. Most partner banks extend the LMI waiver up to 90% LVR for both owner-occupied family homes and residential investment property purchases.

Call 0411 375 973