Our Lending Panel

Take a look through our lending panel, then use our expertise to match your circumstances with the best possible combination of, policy, product & rates.

Some of our most popular options...

Use the filter to find lenders.

Then tap any “Get Started” button to start your home loan experience.

All Lenders
investors
Current great offers
Great for Doctors & dentists
great for Nurses
great for Allied health
larger deposits

AMP

Why we like them:

Offers great rates for investors.
Master Limit makes debt recycling easy.

What to be aware of:

No medical policies.
No branches.

ANZ

Why we like them:

Current refi cash back of $4,000*
Offers medico waivers up to 95%.
Have been strong supporters of physios.
Have a dedicated Health division.

What to be aware of:

Only 1 offset per loan.
Approvals sometimes challenging!

Auswide Bank

Why we like them:

Offers waivers to doctors up to 90%.
Fully offset fixed loan.
Really competitive for existing clients looking to reprice.

What to be aware of:

Based in QLD and smaller lender, so processes sometimes slow.

Bank of Queensland Speicalist

Why we like them:

The only lender that does 100% no LMI for doctors & dentists.
Relationship managed.
Staff are typically very experienced.
They are a bank FOR doctors and dentists.

What to be aware of:

Their higher LVR loans can be more expensive.

Bankwest

Why we like them:

Offers up to 90% no LMI for doctors & dentists.
Relationship management offered to select clients.
Great to deal with. Typically quick approvals.
Multiple offsets.

What to be aware of:

Actually not too many negatives here!

Better Choice Home Loans

Why we like them:

Current offer under 5.10%*
Offers up to 90% no LMI for doctors & dentists, and 85% for nurses.
For those new to billings, ABN or self-employment, can rely on BAS

What to be aware of:

Better Choice are mortgage managers, meaning the underlying funding is with another bank.

Commonwealth Bank

Why we like them:

If CBA can’t do it, it probably can’t be done!
Fairly good medical policies.
Multiple offsets per loan.

What to be aware of:

Has a habit of increasing rates for existing clients.

Firstmac

Why we like them:

Have been around for 40 years.
Non-bank lender, which some people prefer.
Have some niche policies that you don’t know you need – until you need!

What to be aware of:

Big in QLD. Relatively unknown elsewhere.

Health Professionals Bank

Why we like them:

Allow salary sacrifice straight into the mortgage.
Great fixed rates.
One of the few lenders that offers 100% offset on fixed.

What to be aware of:

Say they’re for health professionals, but don’t really demonstrate that in most of their policies.

Gateway Bank

Why we like them:

Allow unlimited repayments on fixed loans.
Their Green Home Loan.

What to be aware of:

App is not great.

ING

Why we like them:

Offers great rates for low LVR loans.
App and client service are great.
Innovative (their fee free debit card for example).
Clients rarely leave the bank!

What to be aware of:

No medical policies.

Macquarie Bank

Why we like them:

Very much a ‘premium’ bank – targeting high net worth clients.
Offers tiered pricing for low LVR loans.
Terrific online banking.

What to be aware of:

Medical policies not really suited for junior doctors.

ME Bank

Why we like them:

Have some handy policies for investors.

What to be aware of:

Usually not on top of the list for most competitive rates.

NAB

Why we like them:

Offers up to 95% no LMI for doctors & dentists.
Major lender.

What to be aware of:

Remembering when your fixed rates end as the roll-over rates are not set until then.
Only one offset per loan.

Pepper Money

Why we like them:

The lender of choice when other lenders say no!

What to be aware of:

No healthcare specific policies.
Loans are typically more expensive.

Police & Nurses

Why we like them:

WA local lender.

What to be aware of:

No healthcare specific policies.
Internal processes are… in need of improvement.

Suncorp

Why we like them:

Offers up to 90% no LMI for doctors & dentists.
Multiple offsets.
Great processes.
Makes some attempt at being a greener bank.
Often has “no annual fee” promos.

What to be aware of:

No branches.

St George

Why we like them:

Current offer of $4,000 refinance cash back.*
Offers 90% no LMI for most healthcare pros.
Offers 85% no LMI for FHB.

What to be aware of:

Internal processes fairly average.

Teachers Mutual

Why we like them:

Allow salary sacrifice straight into the mortgage.
Great fixed rates.
One of the few lenders that offers 100% offset on fixed.
One of the more ethical banks.

What to be aware of:

Need to be in or have come from the education sector.

Ubank

Why we like them:

Great rates.
All online/digital.
Fast turn-around.

What to be aware of:

No medical policies.

Unibank

Why we like them:

Allow salary sacrifice straight into the mortgage.
Great fixed rates.
One of the few lenders that offers 100% offset on fixed.
One of the more ethical banks.

What to be aware of:

You must be “current or retired employees, graduates and students of an Australian university or are family members of members (i.e. shareholders) of the Bank.”

Westpac

Why we like them:

Offers up to 95% no LMI for doctors & dentists, and 90% for other health professionals.
VERY understanding of medical income. We can do things here no other lender can do.
Supportive of all healthcare workers.
Managed relationship possibilities.

What to be aware of: