For GPs, specialists, hospital doctors, dentists & vets
Finance built for doctors’ careers.
Home loans, practice purchases, fit-out and equipment for medical professionals, with up to 100% funding for eligible applicants.* We compare 40+ lenders and fit the paperwork around your roster.
*Up to 100% funding and LMI waivers are available only to eligible applicants and are subject to lender criteria, credit assessment, security and profession requirements. Fees and charges apply.
Get a call back
A medical lending specialist will call you within one business hour.
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What we fund
One specialist for your home, your practice and everything between.
Home loans with no LMI*
Eligible doctors may borrow up to 95% of a property’s value without lenders mortgage insurance.
Doctor home loans →Buy or buy into a practice
Goodwill, partnership buy-ins and succession, with terms that match the life of the asset.
Practice finance →Fit-out & equipment
New rooms, chairs, imaging and clinical equipment without draining cash flow.
Fit-out & equipment →Commercial property
Stop paying rent and own your rooms, including construction finance.
Practice premises →Our hero offer
Up to 100% funding for eligible medical professionals.*
Some lenders will fund the full cost of an eligible practice purchase, fit-out, equipment or premises for doctors, dentists and vets. We know which ones, and what they look for.
- Practice purchase and goodwill, up to 10-year terms
- Fit-out and equipment in one plan
- Owner-occupied practice premises
- Home loans up to 95% with no LMI, or 100% with a guarantor
*Up to 100% funding is available only to eligible medical, dental and veterinary professionals, for eligible loan purposes, and is subject to lender policy, credit assessment, security requirements and maximum loan limits. Not all applicants will qualify. Borrowing 100% of a purchase means you have no equity buffer; consider whether this suits your circumstances.
Who we help
Lending that keeps up with every stage of medicine.
01
GPs
Registrar to practice owner: service-fee and ABN income explained to lenders.
02
Specialists & surgeons
Private and public income, trusts and larger loans with lenders who understand them.
03
Hospital doctors & registrars
Into the market sooner, with overtime and allowances counted properly.
04
Dentists
Graduate to associate to owner, including chairs, imaging and fit-out.
05
Veterinarians
Partnership shares, practice purchases and surgical equipment.
06
Allied health
Pharmacists, physios and optometrists, where lender policy allows.
How it works
Built to fit between shifts.
- 1
A 15-minute call
At a time that suits your roster: early, late or on a day off.
- 2
We compare lenders
Medical-professional policies across 40+ lenders, shortlisted for you with a written recommendation.
- 3
We handle the paperwork
Secure document upload and text updates from application to settlement.
Why doctors choose us
Specialists in medical lending, backed by WizWealth Finance.
Lenders treat doctors differently, often in your favour. The catch is that every lender’s rules differ: which specialties qualify, how they count overtime and private billings, how long you’ve been registered, and how big the loan can be. We match your situation to the policies that suit it.
You get one point of contact from your first call to settlement, and a response within one business hour.
420+
five-star Google reviews for WizWealth Finance
40+
lenders compared, including medical specialists
1 hr
response to every enquiry in business hours
$0
for our service; lenders pay us, disclosed upfront
FAQs
Straight answers for doctors.
Do doctors have to pay lenders mortgage insurance (LMI)?
Often not. Many lenders waive LMI for eligible doctors with full AHPRA registration, usually up to 90–95% of the property value and within set loan limits. Rules differ by lender, specialty and registration type, and every loan is subject to credit assessment.
Can doctors get 100% finance to buy a medical practice?
Some specialist lenders fund up to 100% of an eligible practice purchase, including goodwill, fit-out and equipment. Approval depends on your registration, experience, the practice’s financials, security and lender policy. Not every applicant qualifies.
Do junior doctors and registrars qualify for medical lending policies?
Some lenders include interns, residents and registrars, while others need full or specialist registration. We match your registration type to lenders that accept it.
How do lenders treat overtime and allowances?
Policies vary. Some lenders count 100% of regular hospital overtime with a short history, while others shade it to around 80%. Choosing the right lender can noticeably change your borrowing capacity.
What documents do I need to buy into a practice?
Usually 2–3 years of the practice’s financial statements, the sale or partnership agreement, the lease, your recent tax returns or billing statements, and ID.
How long can I borrow over for goodwill and fit-out?
Goodwill loans commonly run up to 10 years and fit-out loans up to 7 years, matching the useful life of the asset. Terms depend on the lender and your circumstances.
Talk to a medical finance specialist.
A free, no-obligation chat. We respond within one business hour, and it won’t affect your credit score.