Your Trusted Partner for Loan for Doctors
We provide reliable, expertly structured finance solutions for medical professionals. Whether you’re buying, investing, or refinancing, trust Stellar Finance to deliver results with care.
How to Apply for a Loan as a Doctor
1. Review Your Finances
Before applying for a loan for doctors, review your income sources, personal expenses, and any existing loan commitments. Whether you’re a general practitioner, medical administrator, or private practice owner, understanding your current financial situation and borrowing capacity is key to choosing the right doctor home loan or investment loan.
2. Gather the Right Documentation
To qualify for a home loan as a medical professional, you’ll need to prepare documents based on your employment type. This could include payslips, tax returns, or alternative documentation like BAS, bank statements, or a signed accountant’s declaration. These are particularly important if you’re self-employed or operate your own medical practice, making you eligible for low doc or medico loans.
3. Choose a Suitable Loan Product
There are many loan options available to doctors, including low doc home loans, investment loans, practice loans, and even commercial loans. Your mortgage broker will recommend the most suitable loan product based on your income type, career stage, and goals, whether you’re expanding a private practice, buying your first property, or refinancing for a better rate.
4. Apply for Pre-Approval
Getting pre-approved for a doctor loan gives you a clear budget and shows sellers that you’re ready to purchase. Your mortgage broker will submit your application to lenders who offer doctor-specific benefits such as waived Lenders Mortgage Insurance, higher loan amounts, flexible criteria, and faster approvals for medical professionals.
5. Find Your Property and Make an Offer
With pre-approval for your doctor home loan secured, begin your property search confidently. When you find a suitable property, your solicitor or conveyancer will help review contracts and guide you through making a strong offer. Having a pre-approved loan for doctors increases your chances in competitive markets.
6. Finalise Your Loan and Settle
Your mortgage broker will finalise the loan application, coordinate with the chosen lender, and handle any final documentation. Once your loan is approved, contracts are signed, and the loan amount is disbursed, settlement takes place. Congratulations, you’ve secured your home or investment with a tailored loan for doctors.
Who We Are
DR. LISA BRIDGETT
Since 2017, Stellar Finance Group has delivered tailored loans for doctors and other professionals across Australia. We are a trusted mortgage broker supporting medical professionals, including GPs, specialists, and private practice owners, with flexible finance solutions.
With over 20 years of combined experience, our team understands the unique financial structures within the medical profession. Whether you’re earning income as a general practitioner, thoracic surgeon, or running a private practice, we offer personalised doctor home loan and investment loan options suited to your needs.
We go beyond standard lending. At Stellar Finance Group, we help medical professionals build long-term wealth through smart strategies, trusted lenders, and competitive loan products, designed to support your lifestyle, career, and financial growth.
Loans for Doctors
Flexible Lending Solutions for Medical Professionals
Stellar Finance Group specialises in loans for doctors, offering tailored home loans, investment loans, and even business loan and car loan solutions for busy medical practitioners. Whether you’re a clinical pharmacologist, plastic surgeon, or working in emergency medicine, we design lending strategies that match your income and long-term goals.
Our strong relationships with top lenders mean we can often access exclusive offers such as waived Lenders Mortgage Insurance (LMI), reduced interest rates, and increased borrowing capacity for low-risk borrowers. We understand how your financial situation can vary depending on whether you’re salaried, contracting, or self-employed.
From your first home loan to expanding your medical practice, we’re here to support every stage of your journey.
How Loans for Doctors Work
Smart Lending for the Medical Profession
As a doctor or healthcare professional, securing a loan can be challenging when your income doesn’t align with traditional lending requirements.
We work with financial institutions that offer flexible loan options and fast approvals tailored to the needs of medical professionals.
You may qualify for a doctor loan or medico loan using:
- Hospital employment contracts (even with future start dates)
- Medicare and private billing statements
- BAS or bank statements for self-employed doctors
- Accountant’s letter verifying income
Whether you’re after a practice loan, medico home loan, or simply want the best home loan deal, our team simplifies the entire process.
Why Choose Loans for Doctors?
Designed for Busy, High-Income Medical Professionals
Unlike standard home loans, our loans for doctors are designed for high-earning individuals with complex income structures. With fewer documentation requirements and tailored loan products, you can secure a home loan, investment loan, or personal loan that aligns with your goals.
Whether you’re planning to buy, invest, or refinance, our team will assess your borrowing capacity, suggest the best structure, and help you avoid unnecessary mortgage insurance where possible.
Why Doctors Choose Stellar Finance Group
As a specialised mortgage broker, we understand how to structure doctor home loans for salaried and self-employed medical professionals. Whether you’re transitioning to private work, buying equipment, or investing in property, we customise your finance plan around your career path and income streams.
Our brokers help simplify the process, reduce paperwork, and connect you with the right lender and loan amount for your situation. From financial planning to long-term property growth, Stellar Finance Group is your partner in navigating Australia’s complex lending market.
Frequently Asked Questions
What is a loan for doctors?
A loan for doctors is a specialised home loan or medico loan that offers flexible income verification, higher borrowing capacity, and often waived Lenders Mortgage Insurance for qualified medical professionals.
Who qualifies for doctor loans?
Doctors, general practitioners, surgeons, medical administrators, and registered healthcare professionals may be eligible. Lenders will consider your registration, income type, and overall financial situation.
Do doctors get better interest rates?
Yes. Many lenders offer reduced rates, higher loan amounts, and flexible features for low-risk borrowers in the medical profession.
Can I get a doctor loan if I’m self-employed?
Absolutely. We offer low doc, business, and practice loans for doctors who own or manage a private practice. You’ll need documents like BAS, bank statements, or an accountant’s letter.
Why use a mortgage broker for doctor loans?
A broker saves you time, matches you with the right loan product, and negotiates better terms based on your credit score, income mix, and goals. We simplify the process and advocate for you every step of the way.
Hear From Our Clients
Lisa has a fantastic way of tuning into needs and ensuring we have confidence in our important decisions, through being well informed and not rushed. Lisa really made us feel assured and helped to break down any knowledge barriers, making us feel in control of our decisions. Thank you Lisa for your ongoing support and helping to build a positive future for our family!
Wayne Jones
From the moment you first meet, Lisa will be here to inform you, guide you and along with you, make your financial dreams come true. Sam Asadollahi recent experienced this when he asked Lisa to help him with purchasing his first property.
Sam Asadollahi
Got a dream? Lisa and her team can help you make it happen. I can’t think of a better person to have on my team to achieve my goals. Her hard work and determination bring results and she always has plan B and C (at least!) to make sure she can make things happen for you. Her team are excellent, keeping you well informed in the progress of negotiations and very responsive. I can’t recommend Lisa and her team enough!
Jennifer Hsu
Lisa was awesome in the way she carried out her services. She was fully engaged from the very first meeting in understanding our needs to then take us through options in the market and eventually help us choose the right product. The whole process was well defined and managed by Lisa and her team all the way till we settled. If you are on the lookout for a professional who knows the mortgage industry well, spends time to understand your needs and maintains a proactive communication at every step of the process, then Lisa should be your choice for a broker. I highly recommend the services of Lisa Bridgett and thank her for the efforts.
Babu Narayanan
It was an absolute pleasure working with Lisa on our loan financing. Lisa is extremely professional, dedicated and knowledgeable. We were very impressed with how responsive Lisa always was (and still is) to all our questions and we valued the fact that we could communicate with her outside of the normal working hours. We would recommend Lisa highly to anyone in need of mortgage financing.
Magda Louw
Lisa Bridgett is all about making her clients’ life easier! From the moment you first meet, Lisa is there to inform you, guide you and along with you, to make your financial dreams come true. Hear what her client Renee Vella has to say.
Renee Vella
Speak to Us
Experienced Mortgage Broker for Doctors and Medical Professionals
Contact Stellar Finance Group today for expert advice on home loans, investment loans, refinancing, and specialised financing options that fit your unique income and career demands. We’re here to support you throughout your borrowing journey with personalised, professional guidance.
