Where should I send your booking link?
No cost and no obligation. Your details stay with Charter Point Finance.
Prefer to skip the form? Go straight to my calendar or call 0474 459 253.
Home loans for medical professionals
Your home loan, handled while you're on shift.
I compare 70+ lenders, find the ones that read medical income properly and manage everything to settlement. One broker, one point of contact, no chasing banks between rounds.
70+lenders compared
9 yearsin finance, mostly at the banks
15 minfree first call
Helping medical professionals across Australia, including
GPsRegistrarsSpecialistsSurgeonsJunior doctorsDentistsNurses and paramedicsAllied healthPractice owners
Free 15 minute call
Book your call in under a minute.
- Leave your detailsJust your name, mobile and email.
- Pick a time on my calendarEarly mornings and evenings work, so it fits around your roster.
- Talk it through with meYour income, deposit and goals. You leave knowing your options.
Why medical professionals use a broker
Benefits most doctors never hear about at the bank.
Lenders offer specific policies for medical professionals, but they rarely advertise them. I know which ones apply to you and which lenders will say yes.
LMI waived for eligible professions
Many lenders waive lenders mortgage insurance for doctors and other eligible professionals, often up to 90% of the purchase price. That can save you tens of thousands.
Overtime and allowances counted
Some lenders shade your overtime, on-call and penalty rates. Others accept them in full for medical staff, which can lift your borrowing power significantly.
Buy sooner with a smaller deposit
Stop renting while you save 20%. Buy your first home or first investment now, structured properly from day one.
Approvals that fit your training
Rotations, contract changes, service fee arrangements and newly private income. I plan the timing so your approval holds up.
In their words
What medical professionals say.
Registrars, GPs, specialists, dentists and allied health. Different incomes, different goals, the same straightforward process.
As a registrar, my income and work schedule made applying for a home loan feel overwhelming. The team understood exactly how to present my situation to lenders and kept me updated at every stage. I'm now in my first home and couldn't be happier with the support I received.
A
AmaraEmergency Registrar, Melbourne
What I valued most was having one reliable point of contact for every finance question. Whether it was refinancing, understanding loan options or planning for a future investment, they always responded quickly and explained things in plain English.
S
SofiaDentist, Carlton
I came in wanting to buy my first home but left with a clear longer-term plan as well. They explained the difference between buying a home now and building an investment portfolio later, without making me feel pressured. It was practical, honest advice.
L
LeoGP, Brunswick
After years of renting, my partner and I finally felt ready to buy. The brokerage handled the lender comparisons, paperwork and negotiations while we focused on work and family. What could have been a stressful process felt genuinely manageable.
P
PriyaPaediatrician, Hawthorn
I was worried that being early in my career would make it impossible to buy. They recognised the stability of my profession and helped me explore options I didn't know existed. I now feel far more prepared to enter the property market when the time is right.
I
IslaJunior Doctor, Parkville
I wanted to start investing in property but didn't know where to begin. They helped me understand borrowing capacity, cash-flow considerations and how to structure the purchase responsibly. I've since bought my first investment property and feel confident about the next step.
E
EthanAnaesthetist, Richmond
My finances were more complicated because of my practice income, but the team took the time to understand the full picture. They found a lending solution that suited both my personal goals and my business needs. I'd recommend them to any health professional.
M
MarcusPhysiotherapist and Practice Owner, Fitzroy
Why use a broker
The easy way to get your loan done.
You spend your day looking after other people. Let someone look after your finance.
One point of contact
One person who knows your file, answers your messages and stays with you after settlement.
70+ lenders compared
Rates, policies and LMI waivers checked across the market, not just one bank's products.
Know what you can borrow before you house hunt.
One short call and you'll know your borrowing power, deposit options and next step.
Book my free call
Free 15 minute callPhone or video, Australia wide
Paperwork handled
I prepare and lodge the application, deal with the lender and chase every condition.
No cost to you
I'm usually paid by the lender you choose. I explain exactly how before you commit.
- Free call and goalsDay 1
- Lenders compared for youI handle it
- Pre-approval lodgedI handle it
- Offer acceptedYou
- Formal approval and settlementI handle it
- Ongoing rate reviewsEvery year
1broker for every question
Single point of contact
One broker. Every finance question. Start to settlement and beyond.
Your first home, refinancing, an investment property or buying into a practice. You deal with me the whole way, and I work alongside your accountant so everything fits together.
Common questions
Before you book.
Do I qualify for an LMI waiver?
It depends on your profession, registration and income, and each lender sets its own list. Doctors and dentists are commonly eligible, and some lenders extend waivers to other registered health professionals. I check your situation on the call.
I'm a registrar or junior doctor. Can I buy now?
Often, yes. Many lenders treat early-career doctors favourably and accept overtime and allowances. The key is the right lender at the right point in your rotation.
I bill through an ABN or own a practice. Is that a problem?
No. Some lenders assess recent billings and your service agreement rather than waiting for two years of tax returns. I present your income the way a credit team needs to see it.
What happens on the free call?
Fifteen minutes on your income, deposit, timing and goals. You leave knowing roughly what you can borrow and what to do next. No obligation.
I'm not in Melbourne. Can we still work together?
Yes. I work with medical professionals across Australia by phone and video.
Ready when you are
Get your home loan sorted around your roster.
Fifteen minutes, no cost, no obligation. Pick a time that suits your shifts.