20+ years of experience
Multi-award-winning
Strategic mortgage broking
Rated five stars
Work with a mortgage broker who understands the complexities of medical income
As a doctor, your income isn't straightforward. Locum shifts, overtime, on-call allowances, fringe benefits, specialty training, and salary packaging mean lenders don't always assess your income correctly. You might earn a good salary but struggle to get approved because your payslips look complicated. Or you're a registrar now, but your income will double once you're a consultant.
We've worked with medical professionals since 2004. We know which lenders understand doctor income, how to present locum shifts for maximum borrowing capacity, and how to structure loans for your career stage, whether you're a junior doctor, registrar, or consultant. We also understand you're time-poor, so we handle the complexity while you focus on patients.
Ready to discuss your situation? Book a FREE consultation, and we'll show you exactly what you can borrow and how to structure it correctly.
Access medical professional lending programs
As a doctor, you may be eligible for specialist lending programs that allow you to borrow up to 90-95% of the property value without paying Lenders Mortgage Insurance (LMI), a significant cost that most buyers pay when borrowing above 80%. We connect you with lenders who offer these medical professional programs and help you understand the eligibility criteria.
Connect you with lenders who understand medical professionals
Not all lenders treat doctor income equally. We work with lenders who have dedicated medical professional programs, understand locum income, and recognise your earning potential, not just your current payslip.
Structure loans for your career stage and income type
We know which lenders understand medical income and can provide the best borrowing capacity. We structure your loans to maximise what you can borrow today while preserving capacity for future purchases as your income grows.
Understand your complete financial picture
We take time to understand your income structure (base salary, locum, overtime, allowances, fringe benefits), career stage (junior doctor, registrar, fellow, consultant, GP), future plans (buying a practice, partnership, relocating), and property goals.
How we help doctors secure home loans
Why choose Property Planning Australia?
Since 2004, we've earned our reputation by delivering what professionals need: genuine strategic advice, not just loan approvals. Whether you're a doctor, accountant, lawyer, or business owner, we take time to understand your income structure, explain your options, and build strategies that support your long-term goals. Our clients stay with us for decades, not just one transaction.
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