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Each page shows how our accounting, bookkeeping, loans and advice fit together for that industry.
Lender policies and LMI waivers for your profession.
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← Home Loans & Finance
Specialised lending for medical professionals
Your medical career comes with unique financial advantages that most lenders recognise but few borrowers fully use. We help doctors and medical professionals maximise their borrowing power, avoid LMI, and secure the right loan for where their career is heading.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Doctors and medical professionals can often access professional lending benefits, including avoiding lenders mortgage insurance with some lenders. Elephant Advisory compares 60+ lenders to help doctors maximise borrowing power and choose a loan that suits where their career is heading.
Led by Gavin Hepponstall, Director & Head of Finance · Credit representative 570731.
At a glance
60+
Lenders on our panel
BID
Best Interests Duty: we must act for you, not the bank
1 team
Broker and accountants under one roof
Our Values
Home loans for doctors built on values that actually mean something
Medical professionals have put in years of hard work to get where they are. We bring the same level of commitment to finding the right loan.
Related services: Home loans, First home buyers, Investment property loans
01
Visibility
We give you a clear picture of every option available to you as a medical professional, from LMI waivers to higher borrowing limits, so you can make an informed decision without decoding the fine print yourself.
02
Independence
We are not tied to any lender. We compare 30+ options and recommend what is genuinely right for your situation, not what is easiest for us to place.
03
Thoroughness
A doctor's financial situation is rarely straightforward. We take the time to understand your income structure, career stage, and goals before making any recommendations.
04
Accessibility
You have a demanding career. We make the loan process as low-friction as possible, working around your schedule and staying available whenever questions come up.
05
Longevity
We are not here for one transaction. We review your loan as your career and income evolve and help you plan each property move as your wealth grows.
TOP LENDERS WE WORK WITH
With over 60+ lenders on our panel, some you've never heard of.
As a mortgage broker, we are governed by our 'Best Interest Duty', which ensures that we are looking out for you, your needs and goals versus a banks bottom line.
What we help with
Finance services built for medical professionals.
The finance services medical professionals rely on to maximise their borrowing power and make the most of professional lending benefits.
01
Home Loan Pre-Approval
"We secure a fully assessed pre-approval that accounts for your professional income and career stage so you can bid at auction and make offers with complete confidence.
02
LMI Waiver
Doctors, dentists, specialists, and other medical professionals are often eligible to borrow above 80% without paying LMI. We check your eligibility and use your professional status to your advantage.
03
Home Loans
We compare products across 60+ lenders to find the right rate, features, and structure for your financial situation, whether you are buying your first home, upgrading, or investing.
04
Refinancing
We review your loan regularly as your income grows and the market changes to make sure you are always on the most competitive rate available for your profession.
05
Construction, House and Land
Building or buying a house and land package? We are specialists in both and manage the full finance process so you can stay focused on your career while the build progresses.
06
Property Wealth Planning
Your medical income puts you in a strong position to build a property portfolio. We create a tailored property wealth plan that maps out exactly how to make the most of it.
The process
How it works
01
Free chat
Tell us where you are now and what you want to achieve.
02
Borrowing and lender comparison
We assess your borrowing power and compare suitable lenders.
03
Pre-approval and application
We handle the paperwork and keep your application moving.
04
Settlement and reviews
We stay in your corner, from settlement to regular loan reviews.
Our Solution
If these problems sound familiar, you're not alone.
The struggles most medical professionals face when getting a home loan and exactly how we fix them.
Without Elephant
Paying LMI you may not need to
Broker doesn't understand medical income
Not borrowing to your full capacity
No time to manage finance
Loan never reviewed after settlement
With Elephant Advisory
LMI waiver checked as standard
We get how doctors earn and borrow
Lenders chosen for professional policies
We handle it around your schedule
Regular reviews as your career grows
“At Elephant Advisory, we help doctors and medical professionals use their career as a genuine advantage in the property market, because it absolutely should be.”
Free tools
Run the numbers first
Your finance expert
Meet your broker
Gavin Hepponstall
Director & Head of Finance
Gav is the person you want in your corner when it comes to property finance. After years in banking and motor trade finance, he joined Elephant early and never looked back. He’s passionate about combining property and finance to help clients achieve their goals through tailored financial structuring, and he’s very serious about snacks at meetings.
FAQ
Let's clear a few things up.
No jargon, no runaround - just honest answers.
Yes. Many lenders offer LMI waivers for registered medical professionals including doctors, specialists, and dentists, often up to 90% or even 95% of the property value. Eligibility depends on your registration, income, and the lender. We assess this as standard for every medical professional we work with.
Yes, significantly. Medical professionals are recognised as low-risk borrowers with high earning potential and strong job security. This can translate into higher borrowing limits, LMI waivers, and more favourable treatment of complex income arrangements.
Variable and specialist income requires careful presentation to a lender. We understand how medical income is structured and know how to document and present it to maximise your borrowing power rather than raise questions from a credit team.
This depends on your income, expenses, existing debt, and the lender's policies. Medical professionals often have access to higher borrowing limits than standard applicants at the same income level. We run a full borrowing capacity assessment to give you an accurate picture.
Yes. Many medical professionals are in a strong position to build a property portfolio. We create tailored property wealth plans that map out how to use your income and growing equity to invest strategically over time.
We work around you. Consultations can be done over the phone or video at a time that suits you, and we manage the entire process on your behalf so the amount of time you need to spend is kept to a minimum.
Home Loans & Property
Read before you apply
Interest rates history in Australia: the cash rate since 1990
How the RBA cash rate has moved since 1990, from the 17.5% peak to the 0.10% low and back up to 4.85% in November 2026, and what each move means for your repayments.
How Much Can I Borrow on My Salary? (2026 Examples)
Rough borrowing power from $60k to $200k salaries in Australia, how banks work it out, and the small things that cut it.
How Lender Policies Affect How Much You Can Actually Borrow
Different lenders, different rules. Learn how lender policy shapes your borrowing capacity.
Related services
Find out what you can borrow, free.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Credit Guide
← Home Loans & Finance
Specialised lending for medical professionals
Your medical career comes with unique financial advantages that most lenders recognise but few borrowers fully use. We help doctors and medical professionals maximise their borrowing power, avoid LMI, and secure the right loan for where their career is heading.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Doctors and medical professionals can often access professional lending benefits, including avoiding lenders mortgage insurance with some lenders. Elephant Advisory compares 60+ lenders to help doctors maximise borrowing power and choose a loan that suits where their career is heading.
Led by Gavin Hepponstall, Director & Head of Finance · Credit representative 570731.
At a glance
60+
Lenders on our panel
BID
Best Interests Duty: we must act for you, not the bank
1 team
Broker and accountants under one roof
Our Values
Home loans for doctors built on values that actually mean something
Medical professionals have put in years of hard work to get where they are. We bring the same level of commitment to finding the right loan.
Related services: Home loans, First home buyers, Investment property loans
01
Visibility
We give you a clear picture of every option available to you as a medical professional, from LMI waivers to higher borrowing limits, so you can make an informed decision without decoding the fine print yourself.
02
Independence
We are not tied to any lender. We compare 30+ options and recommend what is genuinely right for your situation, not what is easiest for us to place.
03
Thoroughness
A doctor's financial situation is rarely straightforward. We take the time to understand your income structure, career stage, and goals before making any recommendations.
04
Accessibility
You have a demanding career. We make the loan process as low-friction as possible, working around your schedule and staying available whenever questions come up.
05
Longevity
We are not here for one transaction. We review your loan as your career and income evolve and help you plan each property move as your wealth grows.
TOP LENDERS WE WORK WITH
With over 60+ lenders on our panel, some you've never heard of.
As a mortgage broker, we are governed by our 'Best Interest Duty', which ensures that we are looking out for you, your needs and goals versus a banks bottom line.
What we help with
Finance services built for medical professionals.
The finance services medical professionals rely on to maximise their borrowing power and make the most of professional lending benefits.
01
Home Loan Pre-Approval
"We secure a fully assessed pre-approval that accounts for your professional income and career stage so you can bid at auction and make offers with complete confidence.
02
LMI Waiver
Doctors, dentists, specialists, and other medical professionals are often eligible to borrow above 80% without paying LMI. We check your eligibility and use your professional status to your advantage.
03
Home Loans
We compare products across 60+ lenders to find the right rate, features, and structure for your financial situation, whether you are buying your first home, upgrading, or investing.
04
Refinancing
We review your loan regularly as your income grows and the market changes to make sure you are always on the most competitive rate available for your profession.
05
Construction, House and Land
Building or buying a house and land package? We are specialists in both and manage the full finance process so you can stay focused on your career while the build progresses.
06
Property Wealth Planning
Your medical income puts you in a strong position to build a property portfolio. We create a tailored property wealth plan that maps out exactly how to make the most of it.
The process
How it works
01
Free chat
Tell us where you are now and what you want to achieve.
02
Borrowing and lender comparison
We assess your borrowing power and compare suitable lenders.
03
Pre-approval and application
We handle the paperwork and keep your application moving.
04
Settlement and reviews
We stay in your corner, from settlement to regular loan reviews.
Our Solution
If these problems sound familiar, you're not alone.
The struggles most medical professionals face when getting a home loan and exactly how we fix them.
Without Elephant
Paying LMI you may not need to
Broker doesn't understand medical income
Not borrowing to your full capacity
No time to manage finance
Loan never reviewed after settlement
With Elephant Advisory
LMI waiver checked as standard
We get how doctors earn and borrow
Lenders chosen for professional policies
We handle it around your schedule
Regular reviews as your career grows
“At Elephant Advisory, we help doctors and medical professionals use their career as a genuine advantage in the property market, because it absolutely should be.”
Free tools
Run the numbers first
Your finance expert
Meet your broker
Gavin Hepponstall
Director & Head of Finance
Gav is the person you want in your corner when it comes to property finance. After years in banking and motor trade finance, he joined Elephant early and never looked back. He’s passionate about combining property and finance to help clients achieve their goals through tailored financial structuring, and he’s very serious about snacks at meetings.
FAQ
Let's clear a few things up.
No jargon, no runaround - just honest answers.
Yes. Many lenders offer LMI waivers for registered medical professionals including doctors, specialists, and dentists, often up to 90% or even 95% of the property value. Eligibility depends on your registration, income, and the lender. We assess this as standard for every medical professional we work with.
Yes, significantly. Medical professionals are recognised as low-risk borrowers with high earning potential and strong job security. This can translate into higher borrowing limits, LMI waivers, and more favourable treatment of complex income arrangements.
Variable and specialist income requires careful presentation to a lender. We understand how medical income is structured and know how to document and present it to maximise your borrowing power rather than raise questions from a credit team.
This depends on your income, expenses, existing debt, and the lender's policies. Medical professionals often have access to higher borrowing limits than standard applicants at the same income level. We run a full borrowing capacity assessment to give you an accurate picture.
Yes. Many medical professionals are in a strong position to build a property portfolio. We create tailored property wealth plans that map out how to use your income and growing equity to invest strategically over time.
We work around you. Consultations can be done over the phone or video at a time that suits you, and we manage the entire process on your behalf so the amount of time you need to spend is kept to a minimum.
Home Loans & Property
Read before you apply
Interest rates history in Australia: the cash rate since 1990
How the RBA cash rate has moved since 1990, from the 17.5% peak to the 0.10% low and back up to 4.85% in November 2026, and what each move means for your repayments.
How Much Can I Borrow on My Salary? (2026 Examples)
Rough borrowing power from $60k to $200k salaries in Australia, how banks work it out, and the small things that cut it.
How Lender Policies Affect How Much You Can Actually Borrow
Different lenders, different rules. Learn how lender policy shapes your borrowing capacity.
Related services
Find out what you can borrow, free.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Credit Guide
← Home Loans & Finance
Specialised lending for medical professionals
Your medical career comes with unique financial advantages that most lenders recognise but few borrowers fully use. We help doctors and medical professionals maximise their borrowing power, avoid LMI, and secure the right loan for where their career is heading.
Best Interests Duty
60+ lenders compared
Reviews after settlement
In short:Doctors and medical professionals can often access professional lending benefits, including avoiding lenders mortgage insurance with some lenders. Elephant Advisory compares 60+ lenders to help doctors maximise borrowing power and choose a loan that suits where their career is heading.
Led by Gavin Hepponstall, Director & Head of Finance · Credit representative 570731.
At a glance
60+
Lenders on our panel
BID
Best Interests Duty: we must act for you, not the bank
1 team
Broker and accountants under one roof
Our Values
Home loans for doctors built on values that actually mean something
Medical professionals have put in years of hard work to get where they are. We bring the same level of commitment to finding the right loan.
Related services: Home loans, First home buyers, Investment property loans
01
Visibility
We give you a clear picture of every option available to you as a medical professional, from LMI waivers to higher borrowing limits, so you can make an informed decision without decoding the fine print yourself.
02
Independence
We are not tied to any lender. We compare 30+ options and recommend what is genuinely right for your situation, not what is easiest for us to place.
03
Thoroughness
A doctor's financial situation is rarely straightforward. We take the time to understand your income structure, career stage, and goals before making any recommendations.
04
Accessibility
You have a demanding career. We make the loan process as low-friction as possible, working around your schedule and staying available whenever questions come up.
05
Longevity
We are not here for one transaction. We review your loan as your career and income evolve and help you plan each property move as your wealth grows.
TOP LENDERS WE WORK WITH
With over 60+ lenders on our panel, some you've never heard of.
As a mortgage broker, we are governed by our 'Best Interest Duty', which ensures that we are looking out for you, your needs and goals versus a banks bottom line.
What we help with
Finance services built for medical professionals.
The finance services medical professionals rely on to maximise their borrowing power and make the most of professional lending benefits.
01
Home Loan Pre-Approval
"We secure a fully assessed pre-approval that accounts for your professional income and career stage so you can bid at auction and make offers with complete confidence.
02
LMI Waiver
Doctors, dentists, specialists, and other medical professionals are often eligible to borrow above 80% without paying LMI. We check your eligibility and use your professional status to your advantage.
03
Home Loans
We compare products across 60+ lenders to find the right rate, features, and structure for your financial situation, whether you are buying your first home, upgrading, or investing.
04
Refinancing
We review your loan regularly as your income grows and the market changes to make sure you are always on the most competitive rate available for your profession.
05
Construction, House and Land
Building or buying a house and land package? We are specialists in both and manage the full finance process so you can stay focused on your career while the build progresses.
06
Property Wealth Planning
Your medical income puts you in a strong position to build a property portfolio. We create a tailored property wealth plan that maps out exactly how to make the most of it.
The process
How it works
01
Free chat
Tell us where you are now and what you want to achieve.
02
Borrowing and lender comparison
We assess your borrowing power and compare suitable lenders.
03
Pre-approval and application
We handle the paperwork and keep your application moving.
04
Settlement and reviews
We stay in your corner, from settlement to regular loan reviews.
Our Solution
If these problems sound familiar, you're not alone.
The struggles most medical professionals face when getting a home loan and exactly how we fix them.
Without Elephant
Paying LMI you may not need to
Broker doesn't understand medical income
Not borrowing to your full capacity
No time to manage finance
Loan never reviewed after settlement
With Elephant Advisory
LMI waiver checked as standard
We get how doctors earn and borrow
Lenders chosen for professional policies
We handle it around your schedule
Regular reviews as your career grows
“At Elephant Advisory, we help doctors and medical professionals use their career as a genuine advantage in the property market, because it absolutely should be.”
Free tools
Run the numbers first
Your finance expert
Meet your broker
Gavin Hepponstall
Director & Head of Finance
Gav is the person you want in your corner when it comes to property finance. After years in banking and motor trade finance, he joined Elephant early and never looked back. He’s passionate about combining property and finance to help clients achieve their goals through tailored financial structuring, and he’s very serious about snacks at meetings.
FAQ
Let's clear a few things up.
No jargon, no runaround - just honest answers.
Yes. Many lenders offer LMI waivers for registered medical professionals including doctors, specialists, and dentists, often up to 90% or even 95% of the property value. Eligibility depends on your registration, income, and the lender. We assess this as standard for every medical professional we work with.
Yes, significantly. Medical professionals are recognised as low-risk borrowers with high earning potential and strong job security. This can translate into higher borrowing limits, LMI waivers, and more favourable treatment of complex income arrangements.
Variable and specialist income requires careful presentation to a lender. We understand how medical income is structured and know how to document and present it to maximise your borrowing power rather than raise questions from a credit team.
This depends on your income, expenses, existing debt, and the lender's policies. Medical professionals often have access to higher borrowing limits than standard applicants at the same income level. We run a full borrowing capacity assessment to give you an accurate picture.
Yes. Many medical professionals are in a strong position to build a property portfolio. We create tailored property wealth plans that map out how to use your income and growing equity to invest strategically over time.
We work around you. Consultations can be done over the phone or video at a time that suits you, and we manage the entire process on your behalf so the amount of time you need to spend is kept to a minimum.
Home Loans & Property
Read before you apply
Interest rates history in Australia: the cash rate since 1990
How the RBA cash rate has moved since 1990, from the 17.5% peak to the 0.10% low and back up to 4.85% in November 2026, and what each move means for your repayments.
How Much Can I Borrow on My Salary? (2026 Examples)
Rough borrowing power from $60k to $200k salaries in Australia, how banks work it out, and the small things that cut it.
How Lender Policies Affect How Much You Can Actually Borrow
Different lenders, different rules. Learn how lender policy shapes your borrowing capacity.
Related services
Find out what you can borrow, free.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261.
Credit Guide
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261. Accounting and tax services are provided by Elephant Tax Pty Ltd (ABN 39 626 563 755), bookkeeping by Elephant Bookkeeping Pty Ltd (ABN 49 682 979 139), digital marketing by Elephant Digital Pty Ltd (ABN 72 692 273 091) and offshore staffing by Elephant Teams Pty Ltd (ABN 24 656 874 789).
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261. Accounting and tax services are provided by Elephant Tax Pty Ltd (ABN 39 626 563 755), bookkeeping by Elephant Bookkeeping Pty Ltd (ABN 49 682 979 139), digital marketing by Elephant Digital Pty Ltd (ABN 72 692 273 091) and offshore staffing by Elephant Teams Pty Ltd (ABN 24 656 874 789).
Phone
OFFICE HOURS
Mon to Fri: 8.30am - 6.00pm
By appointment only.
Elephant Financial Pty Ltd (ABN 38 611 576 240) trading as Elephant Advisory is an authorised credit representative (ACR 487962) of Yellow Brick Road Aggregation Pty Ltd (formerly Vow Financial Pty Ltd) (ABN 66 138 789 161), Australian Credit Licence 390261. Accounting and tax services are provided by Elephant Tax Pty Ltd (ABN 39 626 563 755), bookkeeping by Elephant Bookkeeping Pty Ltd (ABN 49 682 979 139), digital marketing by Elephant Digital Pty Ltd (ABN 72 692 273 091) and offshore staffing by Elephant Teams Pty Ltd (ABN 24 656 874 789).