Home loans built around a medical career.
Your income isn’t always straightforward. Neither should your lending strategy be. Coin Capital connects medical professionals with lenders that understand their unique circumstances — including LMI waivers up to 95% LVR and the ability to recognise overtime, locum & short term income.
Whether you're a GP, hospital doctor, specialist, surgeon, dentist, pharmacist or veterinarian, we'll match your income and career stage to the lender policy that gets you the most borrowing power for the least cost.
“After working with a number of brokers, Ronil has been a breath of fresh air. Over the last year of working with him, he has consistently provided exceptional service to us. His knowledge, professional conduct and attention to detail makes them great to work with.
“More recently, Ronil helped us through a stressful settlement, working tirelessly to help us secure the property in the end. Thanks team!”
Built for the way medical income actually works.
- $0 LMI at up to 95% LVR for eligible AHPRA-registered professionals
- 100% of overtime, locum, shift penalties and Medicare billings counted where standard banks shade it
- Policies that recognise registrars and residents on their income trajectory, not just years qualified
$0 LMI at up to 95% LVR.
One of the most valuable benefits available to medical professionals never gets advertised on a rate comparison site: the ability to borrow up to 95% of a property's value with Lenders Mortgage Insurance waived entirely. On a $1,000,000 purchase at 90% LVR, that's typically a saving of $15,000–$40,000 that would otherwise be added to your loan.
Depending on the lender, the waiver is available to:
- General practitioners, hospital doctors, specialists and surgeons
- Dentists, optometrists, pharmacists and veterinarians
- In many cases, residents and registrars — based on income trajectory
Each lender draws the eligibility line, maximum LVR and loan size caps differently, which is exactly where matching you to the right lender makes a measurable difference. Read more in our guide to $0 LMI at 95% LVR for AHPRA-registered doctors.
Make your full medical income count.
A standard branch lender runs your file through a system built for a salaried nine-to-five worker. When it sees overtime, shift penalties, on-call allowances, locum contracts or Medicare billings, it often shades that income — counting only 80% of it, or excluding it entirely.
The lenders we work with will, in the right circumstances, count 100% of hospital overtime and shift penalties, on-call allowances, locum contract income, and private practice dividends and Medicare billings. For a hospital doctor whose after-hours work is a permanent part of their pay, that's not a marginal difference — it can materially change your borrowing capacity.
Read more on how to get your overtime and locum income counted in full.
Why not just go to your hospital’s preferred bank?
Your time is valuable, and every hour spent comparing lender policies is an hour you're not spending on your patients or your own life. Before walking through the bank's door, you'd need to know each lender's minimum income threshold — anywhere between $90,000 and $150,000 — and whether they even offer a waiver for your specific registration or specialty.
At Coin Capital, we've spent over a decade working with 30+ Australian banks and lenders, and we specialise in understanding their unique medical lending policies — so you don't have to.
Lenders
Ready to see what your medical career could unlock?
Book a confidential strategy session and we’ll confirm your LMI waiver eligibility and true borrowing capacity across our panel of lenders.