Loan for Doctors in Sydney's Inner West
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 Financial Situation
Before applying for a Loan for Doctors in Sydney’s Inner West, assess your financial situation carefully. Consider your income sources, personal expenses, existing loan commitments, and borrowing capacity. Whether you are a general practitioner, medical administrator, or own a private practice, knowing your finances will help you select the right loan, whether that is a home loan, investment loan, or finance for your practice.
2. Gather the Right Documentation
When applying for a doctor home loan or personal loan, lenders require documentation suited to your employment type. This may include payslips, tax returns, BAS statements, bank statements, or an accountant’s declaration. If you are self-employed or operate your own clinic in Sydney’s Inner West, these documents are essential for accessing low doc loans or medico-specific lending options. A trusted mortgage broker can guide you on what is needed to meet lender criteria.
3. Choose the Best Loan Option
There are multiple loan options available for medical professionals, including low doc home loans, business loans, practice loans, and even commercial loans. An experienced mortgage broker in Sydney’s Inner West can compare products from multiple lenders and recommend the most suitable choice for your income type, career stage, and financial goals, whether you are expanding a practice, buying property as a home buyer or property investor, or refinancing to secure a lower interest rate.
4. Apply for Loan Pre-Approval
Securing pre-approval for your Loan for Doctors in Sydney’s Inner West gives you a clear budget and strengthens your position when making an offer. A professional broker can submit your loan application to lenders who offer exclusive benefits for doctors, such as LMI waivers, higher loan amounts, flexible assessment, and faster loan approval times.
5. Find Your Property and Make an Offer
With pre-approval in place, you can confidently search for housing or investment opportunities in Inner West Sydney. When you find the right property, your solicitor or conveyancer will review the contract and help you make a strong offer. Pre-approval for a doctor home loan increases your competitiveness in high-demand areas such as Canada Bay, St Peters, and other suburbs within the Inner West Council region.
6. Finalise Your Loan and Settle
Once your offer is accepted, your mortgage broker will finalise the loan application, liaise with the lender, and manage all required documents. After loan approval, contracts are signed, funds are disbursed, and settlement takes place. You can then take ownership of your new home, investment property, or practice premises, financed with a tailored Loan for Doctors in Sydney’s Inner West.
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.