Mortgage Broking

Leaders in medical mortgages

Property Ownership – Experts in home and investment loans for medical professions

As a medical professional, your journey to home ownership – whether as a first homebuyer or property investor – is unique. At Walshs, we understand your unique position and have the expertise to support your property acquisition goals.
With access to a full panel of lenders, our lending experts work with lenders that offer medical-specific lending policies such as:

  • access to 95% owner-occupied or investment loans with no Lender’s Mortgage Insurance
  • exclusive low-rate loans with offset features
  • consideration for private practitioners with just six months of private income
  • higher borrowing capacity for junior doctors based on fast-tracked salaries

Industry leading services

Our industry-recognised reputation as a leading medical financial firm, together with our excellent relationship with lenders and medicos alike, means we are best-placed to guide you through the journey to property acquisition, avoiding the pitfalls that can lead to unnecessary delays or rejection.
Working alongside Walshs in-house accountants and financial planners, our medical mortgage brokers will:

  • ensure you have access to the best home loan deal for your needs, circumstances and goals
  • support you through the application process, saving you time and money on the paperwork
  • structure your loan to maximise your tax-deductions and long-term financial success

The Walshs difference

Whether you’re a doctor, dentist or other medical professional looking to get onto the property ladder or purchase an investment property, applying for a medical mortgage with Walshs offers a wealth of benefits.

5% Deposit - No LMI*

We have access to 95% home loans with no *Lenders Mortgage Insurance (LMI), This allows you to buy a home sooner and retain access to your funds.

Self-Employed Income

If you have been working as a self-employed doctor for less than 1 year, Walshs can offer solutions to assist you to obtain home and investment lending.

5% Deposit Investment Loans

Walshs has access to specialised interest-only investment loans that allow property purchase with just 5% deposit or security, without LMI.

Doctors In Training

We understand that as a doctor in training, your income will increase over time. Walshs offers specialist strategies that allow us to align your borrowing capacity with your earning potential.

Managing Education Expenses

We understand that school fees can affect your borrowing ability. Our policies reduce the impact so you can still buy your dream family home.

Specialist Relationship Manager

You will have access to a specialist banking team. The team helps you proactively manage your banking needs.

Access to Full Mortgage Broking Service

We can access medical specific lending policies in Australia so you can make the best decision for your circumstances.

Comprehensive Loan Features

These include specialist interest rate discounts, offset accounts, fixed and variable rate options, package discounts and more!

Structure Specialists

We can help you structure your home and investment loan debts to maximise your long-term tax outcomes and financial planning strategies.

Working closely with Walshs accounting, taxation and financial planning divisions, we take a holistic approach to your current financial position and future goals to not only protect your wealth health but ensure your long-term prosperity. As such, we structure your home and investment loans to maximise your tax outcomes and financial planning success.

Tax gains: If you have an investment property, or are looking to turn your current home into a future investment, we’ll help you structure your debts to maximise your tax deductions.

Freedom and flexibility: Retain access to your money, enabling you to renovate, move locations as your career progresses, or build your property portfolio with medically-minded, smart loan structuring.

Offset advantage: Offset the balance of your home loan by keeping surplus funds in an offset account – a standard, complementary product feature of our home loans.

Lending Structure

Our 5 step application process:

01

1 - Pre-Qualify

Get an estimate of how much you can borrow by completing our pre-qualification process. This includes income and expense verification and completion of a budget with a team member.
02

2 - Submit Application

We submit your completed application form and supporting documents.
03

3 - Conditional Approval

Once the lender has reviewed your application they will provide a conditional approval and this is valid for 90 days. Your approval is subject to valuation and no adverse changes to your situation.
04

4 - Formal Approval

Once all conditions have been met, your home loan will go unconditional.
05

5 - Settlement

Your solicitor or conveyancer will direct your lender to make the final settlement payments to the vendor.

Your unique journey

Over the course of your career, you may experience changes to the nature of your work, location and expenses, including salary increases and decreases as you progress from intern to consultant, or from public employee to private practitioner.

As a medical professional, the structure of your loans can impact your future wealth creation and longevity. At Walshs, our expert team has established strong relationships with leading medical lenders that allow us to access and deliver market-lending home loans at every stage of your career, whether you’re an intern, resident, consultant, surgeon, dentist, or veterinarian.

Our lending service includes:

  • Home loans
  • Investment loans
  • Commercial loans
  • Business and practice loans
  • Car and equipment loans
  • Self Managed Superannuation Fund loans

Testimonials

  • We settled the house today and could not be happier. Just wanted to say a massive thank you for all your advice, assistance and hard work. Sorry again for our naïveté and thank you so much for such amazing and efficient work to make it all happen.
    Dr. B
  • I came to Walsh's upon my partner and I deciding we wanted to buy our first home. The lending team and everyone I dealt with were very professional and made the stressful time of buying a house a lot easier. We ended up with an amazing loan and great advice throughout the whole process. Peter, Donna, Sarah and Marissa were all great and we could not have got the loan we wanted without them. We will definitely be using Walsh's again in the future and would recommend their services to anyone.
    Cameron Thwaites
  • The team at Walshs have been amazing! Very professional, responsive and personal in their approach to managing our finances. Recently Walshs helped us purchase our first home and they made the process so easy. They helped us with our loan application, finding a good buyers agent and organising legals. Great service and great value for money. Thanks Walshs!
    Nathan Taiaroa
  • I’ve been with Walshs for the past eight years and everyone on the team is helpful, efficient and friendly. Very good at getting things done and sorted without issue very quickly.
    Dr Nick Sowden
  • Walshs helped us with our mortgage and financial planning needs. Peter and his team were friendly, professional and well-versed in making an often complex process feel smooth. The considered approach to the advice we received was clearly focused on helping us achieve our goals. With the speed at which the property market is moving right now, we would have struggled to get through this alone in the timeframes that we had, so thank you again to Walshs for getting us into our new house with an exceptionally competitive mortgage.
    D G

Want to know more?

If you have any questions about how we can help you with lending or home loans for doctors,
book a complimentary meeting at a time that suits you.

TOP