Medico Mortgages With Flexible Payment Options

You’ve dedicated years to your career. Now, it’s time to build and live your dream. Join hundreds of medical professionals in securing their future with Inner Circle Financial Group’s custom mortgage solutions. With the Australian property market surging and medicos earning 25% more than the national average, the opportunity to own your dream home is now.

Why Choose ICFG as your Mortgage Broker?

At ICFG, we specialise in providing mortgage solutions to doctors that align with your earning potential and career stage. With over 38 years of combined expertise, we’ve helped hundreds of medical professionals like you achieve their property goals.
Key Benefits:
  1. Waived LMI: Secure your loan with deposits as low as 5% with no LMI.
  2. Higher Borrowing Power: Borrow up to 100% of your property’s value.
  3. Exclusive Discounts: Enjoy interest rates up to 0.7% lower than standard rates.
  4. Flexible Options: Tailored solutions for both early-career and established doctors.

First Home Buyer Loans

Start your property journey with flexible terms and competitive rates.

Investment Property Loans

Grow your wealth by investing in property with loans designed to support your long-term financial success.

Refinancing Options

Already have a mortgage? Let us help you secure better terms to reduce your repayments and maximise your savings.

Flexible Mortgage Solutions

For Established Professionals:
  1. Own your dream home with competitive rates.
  2. Expand your wealth with investment property loans.
  3. Build your practice with construction loans.
For Early-Career Doctors:
  1. Step into homeownership sooner with reduced financial barriers.
  2. Leverage future income to boost your borrowing power.
  3. Access specialised loans, even if self-employed.

Why Doctors Trust ICFG

Personalised Service

Our team understands your unique needs.

Comprehensive Support

From application to approval, we handle the complexities.

Trusted Expertise

Direct relationships with Australia’s leading medical lending teams.

  1. Waived lenders mortgage insurance even with deposits as low as 5%
  2. Enhanced borrowing power up to 100% of property value for qualified specialists
  3. Exclusive interest rate discounts up to 0.7% below standard interest rates
  4. Flexible eligibility criteria that acknowledges your position as high income earners

Turn Your Medical Profession Qualification into Financial Advantage

For Established Medical Professionals:

  • Purchase your dream home with competitive interest rates
  • Build your property portfolio with investment loans
  • Access a construction loan for your medical practice
  • Leverage interest only home loans for tax-efficient investing

For Early-Career Medical Practitioners:

  • Step onto the property ladder sooner
  • Convert future employment prospects into current borrowing power
  • Access specialised loans even while self employed
  • Benefit from flexible financial statements requirements

For Established Medical Professionals:

  • Custom-structured loans from major banks
  • Understand complex lending policies with our experienced mortgage specialists team
  • Direct relationships with Australian banks’ medical lending teams
  • We handle everything while you focus on your practice

Why clients love working with Inner Circle Financial Group

People Also Ask These Questions

Yes, you can. As a medical professional, you’re considered a low-risk borrower, which means you may qualify for waived lender mortgage insurance even with a lower deposit. At Inner Circle Financial Group, we provide mortgage solutions for medical professionals that often come with this benefit, potentially saving you thousands of dollars.

Doctor home loans or medical professional home loans are customised financial solutions designed specifically for healthcare practitioners. These loans often feature higher borrowing capacities (up to 100% of the property value in some cases), competitive interest rates, and more flexible lending criteria. Our specialist mortgage brokers can help you find these options to find the best fit for your situation.

Absolutely. Many of our clients use their loans for doctors to invest in property. These loans can be structured as interest-only home loans, which can be beneficial for investment purposes. Our team can guide you through the process of securing an investment loan with competitive interest rates and terms suited to your investment strategy.

The interest rate discounts for medical professionals can be substantial. While the exact discount varies depending on the lender and your specific circumstances, we’ve seen discounts of up to 0.7% below advertised variable rates. Over the life of your loan, this can translate to significant savings. Our mortgage brokers work hard to negotiate the best possible rates for you.

As specialist mortgage brokers with extensive experience in medical professional home loans, we offer comprehensive support throughout your home loan journey. We’ll help you understand your borrowing capacity, unpack lender policies, structure your loan based on your cash flow, and negotiate competitive interest rates. Our goal is to simplify the process for you, allowing you to focus on your medical career while we handle the financial details.

Take Action Now

Our home loans for doctors and other medical professionals are designed to give you a competitive edge in the property market. With the median house price in Sydney reaching $1.1 million, our specialised loans can make the difference between securing your dream home or missing out.

Don’t let traditional lending criteria hold you back. Let ICFG’s team of specialist mortgage brokers help you navigate the home loan process and secure your financial future.

Remember, in the world of finance, knowledge is power. And in the realm of medico mortgages, ICFG is your trusted ally. Don’t just take our word for it— join the 95% of our clients who report high satisfaction with our services.

Secure your future today with a medical professional home loan from ICFG. 



Because you’ve earned it.