You look after Australia.
I’ll look after the loan.
Many lenders treat healthcare workers as low-risk and may offer up to 95% LVR with no LMI.
What the LMI waiver actually means
The smaller your deposit, the greater the risk to the lender. That's why borrowers with less than a 20% deposit are often required to pay LMI (Lender's Mortgage Insurance). While it protects the lender, the cost is typically paid by the borrower.Â
Â
For eligible healthcare professionals, several major banks waive this entirely, in some cases up to 95% LVR.
On a $700,000 home with a 10% deposit, that's typically more than $20,000 saved at settlement.
Up to 95% LVR with no LMI
Purchase your dream home with a smaller deposit while skipping the costly insurance premiums entirely.
Locum & casual income
Variable shift patterns and locum contracts handled the right way - not refused at the door.
HECS-friendly servicing
Lenders that treat HECS/HELP debt sensibly so your borrowing capacity isn't unfairly squeezed.
Income shading reviewed
Where applicable, we negotiate fair treatment of overtime, allowances, and second-job income.