Home Loans for Health Professionals
Specialist Lending for Medical Professionals
Access exclusive mortgages for doctors with preferential rates, LMI waivers, and expert guidance that understands your medical career, contract work, locum income, and fellowship progression.
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Why Health Professionals Choose Australian Property Home Loans
We understand business structures, variable income, and tax minimisation strategies. Our specialist expertise helps you access better rates, flexible assessment, and lending solutions designed for medical professionals.
- Deep Understanding of Medical Income
- Flexible Income Assessment
- Confidential, Professional Service
- Tailored to Your Career Stage
- Tax Return & Structure Expertise
- Ongoing Advisory Relationship
- Deep Understanding of Medical Income
- Flexible Income Assessment
- Confidential, Professional Service
- Tailored to Your Career Stage
- Tax Return & Structure Expertise
- Ongoing Advisory Relationship
Start Your Digital Fact Find
Begin your Australian Property Home Loans Fact Find online. Answer tailored questions to help us match you with the most suitable loan options for your needs.
Trusted by Medical Professionals Across Australia
Don’t just take our word for it. Here’s what professionals say about working with Australian Property Home Loans.
Posted on Claire ElmasryTrustindex verifies that the original source of the review is Google. I can’t recommend Adele highly enough. I’d choose her again in a heartbeat. She is professional and genuinely client-focused. She puts her client at the centre. For her, it’s not just about applying for a loan; it's about strategically guiding her clients through their finances so they feel confident and at ease. Adele communicates with clarity and honesty. Adele is a broker you can truly trust, and one I admire for their approach, and I hold in high regard. I wouldn’t hesitate to work with her again in the future.Posted on Jennifer RadmanTrustindex verifies that the original source of the review is Google. Adele made the whole mortgage process feel easy (which I didn’t think was possible). She’s extremely knowledgeable, professional, and fast, and explained everything clearly along the way. We felt supported the entire time. Highly recommend Adele. Thanks for all your help!Posted on Joseph BanaresTrustindex verifies that the original source of the review is Google. Great group of people who are experts in this field. Very efficient on the whole loan process and always available if you need something from them. Highly recommended for their service.Posted on Harish VenugopalTrustindex verifies that the original source of the review is Google. I had an excellent experience working with Adele from Australian Property Home Loans. She made the entire loan process incredibly smooth and stress-free. From the very beginning, she took the time to understand my needs, presented competitive options, and ultimately secured a fantastic interest rate for me. What could have been a complicated and time-consuming process was made effortless thanks to her professionalism, clear communication, and genuine commitment to getting the best outcome. I am extremely grateful for her support and would highly recommend Adele to anyone looking for a reliable and knowledgeable mortgage broker.Posted on Rachel KingTrustindex verifies that the original source of the review is Google. Adele was fantastic to work with, she is super knowledgeable and made me feel very comfortable throughout the experience of purchasing my first home. Would definitely recommend to other buyers!Posted on Justine VincentTrustindex verifies that the original source of the review is Google. I honestly couldn’t have asked for a better mortgage broker than Adele. She has been with me through this whole journey from start to finish, and after having such a rough experience with a previous buyers agent, working with her felt like a complete breeze. She’s been supportive, patient, and unbelievably generous with her time - nothing was ever too hard, and she always made me feel like I had someone in my corner. She explained everything clearly, kept me calm through the stressful moments, and genuinely cared about helping me get the best outcome. She went above and beyond in guiding me during the process and even recommending an incredible conveyancer and BA to me as well - dream team! I’m so grateful for her guidance and support. If you want someone who knows their stuff, actually listens, and truly looks after you, I couldn’t recommend Adele and the team at APHL enough.Posted on Marina Infante VieiraTrustindex verifies that the original source of the review is Google. Great service. Adele was very caring, helpful and pro-active and I would 100% use her services again.Posted on SD Equine ServicesTrustindex verifies that the original source of the review is Google. After deciding to purchase my first investment property, Adele and her team of Australian Property Home Loans not only provided an extremely efficient service but also their expertise and knowledge of products ensured it was stress free and gave peace of mind that they were doing their best for me. I couldn't believe how fast the process was! I would highly recommend Adele and her APHL team!Posted on Joe connorTrustindex verifies that the original source of the review is Google. Adele was fantastic & made everything easy in helping us decide on the best lender options and working through the different scenario's, and lodging & finalising the application. The entire process was efficient & effortless. Communication was top-notch - no question was too big or small & responses to our queries were rapid (often out-of-hours and at weekends!), updates were timely and on-point regarding the application process. I have no hesitation in using Adele again and highly recommend Adele to friends/family.Posted on Abbie Hoiberg-CoxTrustindex verifies that the original source of the review is Google. We honestly can’t thank Adele enough for all her help! From the very start, she made what felt like an overwhelming process so much easier and far less stressful. One of us is self-employed, which made things a bit more complicated, but Adele knew exactly how to handle it and went above and beyond to find the right solution for us. She worked incredibly hard behind the scenes to get everything sorted and always kept us in the loop along the way. No question was ever too small — she explained everything clearly and made sure we actually understood what was going on. She was always easy to reach, super responsive, and genuinely cared about getting the best outcome for us. Adele is knowledgeable, patient, and really dedicated to her clients. We couldn’t recommend her highly enough and will definitely be going back to her in the future. If you’re looking for someone who really puts in the effort and makes the process smooth, Adele is the one!Google rating score: 5.0 of 5, based on 154 reviews
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Frequently Asked Questions
Simply book a consultation through our calendar or call us directly. We’ll discuss your goals, assess your circumstances, and explain your options clearly with no obligation.
We guide you through five steps: consultation, pre-approval, property search, formal application, and settlement. The process typically takes 6-8 weeks from application to getting your keys.
Just a rough idea of your income, savings, property budget, and goals. We’ll guide you on specific documents after our initial conversation. The first chat is about understanding your situation, not paperwork.
No, lenders pay us when your loan settles, so our service is completely free to you. You receive expert guidance at no cost and get the same rates as applying directly.
Pre-approval typically takes 3-5 business days once we submit your complete application. We’ll keep you updated throughout the process.
We specialise in professional lending for doctors, lawyers, accountants, and self-employed Australians, with deep expertise in complex income structures and access to exclusive professional packages.
Yes, we specialise in partnership distributions, trust arrangements, variable income, and self-employed structures. We know exactly how to present complex professional income to maximise your approval chances.
Yes. Doctors, lawyers, and accountants typically access LMI waivers (saving $10,000-$30,000+), discounted interest rates, and higher borrowing capacity through professional packages.
Absolutely. Increased income from partnership admission, promotion, or career progression often means better rates, higher borrowing capacity, and access to improved loan features through refinancing.
Professionals typically borrow 10-20% more than standard assessment due to career stability and regulated qualifications. Book a consultation for your exact borrowing capacity based on your circumstances.