Home Loans for Doctors in Perth and Mandurah
Medical careers do not follow a standard income curve. Junior doctors, registrars, specialists and GPs all have different pay structures, and lenders assess each differently.
Andy compares lenders across Perth and Mandurah to find ones that understand medical income and career progression.
Andy made it straightforward and simple and represented us in a way that put our best foot forward.
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For the entire process Andy was a wealth of knowledge and provided excellent support, guidance and timely information.
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Top bloke, great service and locked in a great deal for us. Walked us through each step and had everything finalised really quickly.
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Andy made our refinancing and purchase of a new home seamless and within our guidlines.
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Let's Chat
Complete the form below and Andy will be in touch to discuss your finance needs.
Why Medical Income Needs the Right Lender
Doctors and medical professionals often have strong long term earning potential, but income can look different depending on your stage and setting.
You might be PAYG through a hospital, working as a locum, or running your own practice. Some doctors also carry HECS or HELP debt, which lenders factor into serviceability differently.
Andy looks at your whole career picture, not just your current payslip, to find a lender whose policy fits your situation.
Medical Career Situations Andy Helps With
Junior Doctors and Registrars
Early career income can look modest against future earning potential. Andy explains how different lenders treat this.
Locum and Contract Work
Locum income can vary between placements. Andy presents your income history in a way lenders can assess properly.
Practice Owners
If you run your own practice, your income is generally assessed like other self-employed borrowers. See our self-employed and low doc home loans page.
Specialists and Established Doctors
As your income and equity grow, Andy helps structure finance for your next home or an investment property.
How Andy Helps You Get Started
Andy compares over 30 lenders to find ones whose policies suit medical professionals at your career stage.
He explains every document in plain English, and looks at your whole position rather than just what pays the most commission.
Whether you are buying your first home, upgrading, refinancing or investing, he manages the process from application to settlement. See our investment home loans page if you are considering a property purchase.
Reviewed By
Credit Representative & Mortgage Broker · Dip. FMBM
Andy reviewed this page to make sure the information for medical professionals is accurate and reflects how these loans are arranged in Western Australia.
Doctor Home Loan FAQs
Deposit requirements vary by lender and your individual situation. Andy compares lenders to find options that suit your circumstances and explains what each one requires.
Yes, lenders factor outstanding HECS or HELP debt into their serviceability calculations. Andy will explain how this affects your borrowing capacity.
Yes, many lenders will consider junior doctors and registrars. Andy compares lenders to find ones comfortable with your career stage and income history.
Yes. Andy looks at your income history and placement pattern to present your application to a suitable lender.
Practice owners are generally assessed like other self-employed borrowers, using tax returns, BAS or accountant declarations depending on the lender. See our self-employed and low doc home loans page for more detail.
No. Andy works with medical professionals across Mandurah, the Peel region and the Perth metro area.
