Medico & Professional Loans

At Kings’ Lending, we specialise in tailored home loan solutions for highly qualified professionals—those whose careers demonstrate income stability, low credit risk, and long-term earning potential. Whether you're a medical expert, legal advisor, or financial professional, our loan solutions are designed to offer more: better rates, higher borrowing power, and Lenders Mortgage Insurance (LMI) waivers—even with deposits below 20%.

To qualify, medical professionals must be currently practicing in an approved field and registered with the Australian Health Practitioner Regulation Agency (AHPRA).

Eligible professions include:

• Anaesthetist
• Chiropractor
• Dental Practitioner
• Dermatologist
• General Practitioner
• Obstetrician / Gynaecologist
• Ophthalmologist
• Optometrist
• Paediatrician
• Pathologist
• Pharmacist
• Physician
• Physiotherapist
• Psychiatrist
• Radiation Oncologist
• Radiologist
• Surgeon
• Veterinary Practitioner

To be eligible, financial professionals must be practicing and registered with a recognised Australian institute.

Eligible roles and associations:

• Accountants
  • Chartered Accountants Australia and New Zealand (CA ANZ)
  • Certified Public Accountants (CPA)
  • Institute of Public Accountants (IPA)
• Actuaries
  • Fellow of the Institute of Actuaries of Australia (FIAA)
• Financial Analysts
  • Chartered Financial Analyst Institute (CFA)

Legal professionals must hold a current practising certificate with an authorised state or territory body.

Eligible professions and regulatory bodies:

• Barristers
  • ACT, NSW, NT, QLD, SA, TAS, VIC, WA Bar Associations
• Lawyers & Solicitors
  • Law Societies of ACT, NSW, NT, QLD, SA, TAS
  • Legal Practice Board of WA (LPBWA)
  • Victorian Legal Services Board (VLSB)

• Access to exclusive LMI waiver products from leading lenders
• Expert navigation of eligibility and documentation
• Competitive interest rates and reduced fees
• Fast-tracked approvals tailored to busy professionals
• Honest, transparent, and fully personalised support

A Medico Home Loan is a specialised mortgage product designed for eligible healthcare professionals. It recognises the low-risk nature of your profession and rewards your career trajectory with reduced costs, higher borrowing power, and exclusive loan features—all while streamlining the application process to fit your busy schedule.

Here’s what sets a Medico Home Loan apart:

Reduced Interest Rates & Lower Fees

• Due to your profession’s income stability, lenders may offer discounted rates and reduced or waived application and ongoing fees.

Higher Borrowing Capacity

• With more flexible underwriting, lenders often approve higher loan amounts for medical professionals—even when compared to borrowers on similar incomes in other industries.

Smaller Deposit Requirements

• While standard loans may require a 20% deposit, medico loans may offer approval with deposits as low as 5% or even 0%, depending on the lender.