Doctors are among the most favoured borrowers in Australia. Lenders view medical practitioners as extremely low-risk which translates into one of the most generous loan benefits available. At SaaN Home Loans, we help eligible doctors purchase a home or investment property with just a 5% deposit and absolutely no Lenders Mortgage Insurance.
Eligible: GPs, Specialists, Surgeons, Anesthetists, Dentists, Veterinarians.
Up to 100% Finance:
In some cases, for specialists, we can facilitate 100% financing with LMI waived (subject to lender policy).
Investment & Commercial:
These benefits extend to investment properties and financing for commercial practice premises.
Up to 95% LVR with $0 LMI:
Borrow with a 5% deposit, no LMI required.
No Minimum Income:
Some lenders have removed minimum income requirements for Doctors and Dentists.
Service Benefits
Our approach is built on clear communication and personalized support. We believe every first home buyer deserves expert guidance without the confusion, and we're here to make that happen for you.
and we go straight to the right ones for your situation.
from confirming your eligibility to managing settlement.
we are paid by the lender after your loan settles.
Service Benefits
- Can I use this to buy an investment property?
-
Yes. Eligible doctors can access 5% deposit and no LMI for both owner-occupied and investment purchases.
- Do I need to be fully registered?
-
Yes. You must hold current general or specialist registration with AHPRA. Provisional registration may not qualify.
- Can I borrow jointly with a non-medical partner?
-
In many cases, yes as long as the medical professional is the primary applicant. We confirm this with the specific lender.
- Are there income requirements?
-
Some lenders have minimum income thresholds. We clarify all requirements during your free consultation.
Step 1: The Strategy Session (Kick-Off)
- What happens: A 30-minute deep dive into your goals.
- Key focus: We identify your "Professional Tier" to unlock exclusive benefits
like LMI Waivers or Discounted Interest Rates.
- Your Action: Secure your session via our Online Booking Portal.
Step 2: The Digital Vault (Document Collection)
To move fast, we need a clean "Credit File." Use our secure portal to upload your essentials:
Step 3: The Blueprint (Pre-Approval)
- What happens: We compare over 5 lenders (Major Banks & Specialists) to find
the sharpest professional package.
- The Result: Pre-Approval (valid for 90 days), giving you the green light to bid with confidence.
Step 4: The Green Light (Formal Approval)
- What happens: Once you’ve found a property, we order the valuation and submit for "Unconditional Approval".
- Tech-Driven: Sign your loan offer digitally via secure e-signature platforms.
Step 5: The Handover (Settlement)
- What happens: We coordinate with your solicitor and the bank to manage the transfer of funds via PEXA.
- The Result: Settlement is complete—you get your keys!
Step 6: The Watchdog (Post-Settlement)
Our Promise: Your loan isn’t "set and forget." We provide ongoing services such as Annual Rate Reviews. We keep an eye on property growth to ensure another investment. Regular updates on current property market.
