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  Mortgage Pass [ FINANCE SPECIALISTS ]

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Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.94% (5.95%*) • Fixed: 4.94% (5.95%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.34% (5.97%*) • Investment PI: 4.99% (5.91%*)
Home Loans for Medical Professionals & Allied Health Professionals. 5% Deposit, No LMI. Rates from 4.94% (5.95%*)
Home Loans for Medical Professionals & Allied Health Professionals. 5% Deposit, No LMI. Rates from 4.94% (5.95%*)
HOME LOAN RATES FROM 4.94% (5.95%*). Up to $4000 cashback with selected lenders!
 Doctors, Nurses, and other Allied Medical Professionals May Qualify for a Zero-Deposit, No LMI Loan
Doctors and other health professionals are considered a low-risk borrower. Banks with your future business, so they make provisions for significant borrowing with no LMI. Call us to learn more.
Download our 40-page First Home Buyer Guide. The book includes a large amount of information that will guide you during the buying process, and it provides you with information on your various finance options. 
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Borrowing Capacity. We'll look at your financial position to determine how much you can borrow.
Serviceability. We'll look at your current obligations and measure that against various options to see payments you can afford.
The Process. We'll explain the entire process and detail what documents will be required for the application.
Government Grants. You may be eligible for a First Home Buyer grant or other Government grant.
The Structure. We will discuss structures that allows you to build future wealth through investing.
The Deposit. As little as 5% may be required, and in some cases as little as 2%. We'll discuss your options.
Brilliant Support. Supported by leading experts with expert tech and ongoing education and support.
Borrow More, Pay Less. Home Loan rates from 4.94% (5.95%*). IO Investor Rates from 5.34% (5.97%**).

First Home Buyers

Refinance

Investment Loans

Construction Loans

Your Next Home

SMSF Finance

Asset & Equipment Loans

Self-Employed Loans
Selected Multiple Lenders (Fixed)
Interest*
4.94%
Comparison*
5.95%
   
4.99%
5.77%
   
4.99%
5.91%
   
4.99%
6.15%
   
Selected Multiple Lenders (Variable)
Interest*
5.43%
Comparison*
6.02%
   
5.44%
6.78%
   
5.59%
5.64%
   
5.59%
5.66%
   
Selected BIg-4 Lenders (Variable)
Interest*
5.84%
Comparison*
5.97%
   
6.04%
6.05%
   
6.14%
6.14%
   
6.14%
6.51%
   
Selected Invest Products (IO)
Interest*
5.34%
Comparison*
5.97%
   
5.44%
6.40%
   
5.49%
6.02%
   
5.58%
5.99%
   
SELECTED HOME LOAN RATES :: 4.94% (5.95%*)   4.99% (5.77%*)   4.99% (5.91%*)   4.99% (6.15%*)   5.14% (6.17%*)   5.19% (5.72%*)   5.29% (6.84%*)   5.30% (5.38%*)   5.34% (5.78%*)   5.34% (6.32%*)   5.35% (5.70%*)   5.39% (6.09%*)   5.39% (6.22%*)   5.39% (6.30%*)   5.39% (7.25%*)   5.44% (7.16%*)   5.45% (5.94%*)   5.49% (5.71%*)   5.49% (5.79%*)   5.49% (5.80%*)   5.49% (5.89%*)   5.49% (5.91%*)   5.49% (5.96%*)   5.49% (6.07%*)   5.49% (6.12%*)   Contact us for a better understanding of what rates might apply
EXPERTS IN ALL AREAS OF PROPERTY FINANCE
We believe that our relationship doesn't end on the loan settlement. You will continue to receive our support and guidance as your circumstances change.

OUR APPROACH

As highly experience mortgage brokers, property investors and real-estate professionals, we’ll work relentlessly to guide you into a product that is suited to your circumstances.

THE PROCESS

We guide you through every step of the home buying or investment process – before and after settlement. We provide cutting edge insights on the property and money market..

YOUR EXPERIENCE

We have a customer focused, solution driven attitude. We aim is to be your trusted adviser driven by transparent advice, and backed by good old fashioned personal service..

Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.94% (5.95%*) • Fixed: 4.94% (5.95%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.34% (5.97%*) • Investment PI: 4.99% (5.91%*)
  5.43% 6.02%*  
OWNER OCCUPIED VARIABLE
  4.94% 5.95%*  
OWNER OCCUPIED FIXED
  5.34% 5.97%*  
INVESTMENT IO
  4.99% 5.91%*  
INVESTMENT P&I
  4.94% 5.95%*  
FIXED RATES
  5.43% 6.02%*  
VARIABLE RATES
  5.44% 6.78%*  
INTRODUCTORY RATE
  5.54% 6.42%*  
DISCOUNT RATES
  Ready for a chat? Book in a 20-minute consultation now
 Medical Industry Frequently Asked Questions
Listed below are common Medical Industry Frequently Asked Questions. Selecting the link from within each FAQ will deliver you to a page with more information.

Medical doctors are considered 'low risk' by the majority of lenders because of higher incomes, and the likelihood that income will increase over time. Additionally, Doctors are considered to be future customers of other types of products. It's for this reason that banks apply various discount on their products.

Doctors and certain other medical professionals are one of just a few groups that are considered for higher LVR borrowing without having to take out costly Lenders Mortgage Insurance (LMI), potentially saving you thousands. As a medical doctor you may usually borrow up to 100% LVR (or 100%) of the purchase price with no LMI (with strict lending criteria, including serviceability requirements, or far fewer requirements with a guarantor), or up to 90% LMI (or up to 90% of the value of the property) with no LMI. In the latter category a larger number of medical professionals are considered for this type of loan. Doctors are understood to be in a professional with higher incomes , low-risk. Your medical profession must be accepted by the banks, and you must also be a member of approved medial industry associations.

As a lower-risk professional your interest rate will usually be in the lower-tiers of those offered by the banks (consider the low rates listed below). We have access to a library of unpublished rates for medical professionals so we'd encourage you to call us to find out more. In most cases, the bigger discounts apply to those that are borrowing less than 80% of the property value.

The Fitout or fixing is an amount relates to the funds necessary to install the internal fittings and fixtures of your property. It can cover plastering or rendering, the part-installation of cupboards and benches, plumbing, electricity and gutters.

Invest Fixed Rates
Interest*
4.99%
Comparison*
5.91%
   
4.99%
6.36%
   
5.24%
5.94%
   
5.34%
6.37%
   
Invest Variable Rates
Interest*
5.79%
Comparison*
5.82%
   
5.81%
5.82%
   
5.84%
5.84%
   
5.84%
5.89%
   
Invest Interest Only
Interest*
5.34%
Comparison*
5.97%
   
5.44%
6.40%
   
5.49%
6.02%
   
5.58%
5.99%
   
…
 Read Related Articles [ FROM OUR BLOG ]
Our blog and FAQ module includes hundreds of related articles and resources. If you don't find what you're looking for, give us a call.
 A Borrowing Structure For Medical Professionals
Hundreds of products from up to 40 Lenders, including the Big Banks.
 Upgrading your home? Release Equity or Refinance, and Save.
Upgrading your home is a relatively simple process. You may release equity from your current home loan, or refinance and access additional funds. Call us now for a discussion on how we might get you renovating your own home sooner...
Fixed Interest Only (P&I)
Interest*
4.99%
Comparison*
5.91%
   
4.99%
6.36%
   
5.24%
5.94%
   
5.34%
6.37%
   
Variable Interest Only (P&I)
Interest*
5.79%
Comparison*
5.82%
   
5.81%
5.82%
   
5.84%
5.84%
   
5.84%
5.89%
   
Invest Interest Only
Interest*
5.34%
Comparison*
5.97%
   
5.44%
6.40%
   
5.49%
6.02%
   
5.58%
5.99%
   
Invest Loans
Interest*
4.99%
Comparison*
5.91%
   
4.99%
6.36%
   
5.24%
5.94%
   
5.34%
6.37%
   
A Better Rate • A Better Structure • Better Advice
 Renovating Your Home To Be More Sustainable and Energy Efficient may Qualify You For a Lower-Rate Green Loan ..
The Green Home Offer provides a discount on your Standard Variable Rate home loan for eligible customers who buy, build or renovate their homes to be more sustainable and energy efficient. Eligibility criteria applies.
  Fixed Interest Only (P&I)
Interest*
4.99%
Comparison*
5.91%
   
4.99%
6.36%
   
5.24%
5.94%
   
5.34%
6.37%
   
  Variable Interest Only (P&I)
Interest*
5.79%
Comparison*
5.82%
   
5.81%
5.82%
   
5.84%
5.84%
   
5.84%
5.89%
   
  Invest Interest Only
Interest*
5.34%
Comparison*
5.97%
   
5.44%
6.40%
   
5.49%
6.02%
   
5.58%
5.99%
   
  Invest Loans
Interest*
4.99%
Comparison*
5.91%
   
4.99%
6.36%
   
5.24%
5.94%
   
5.34%
6.37%
   
Home Loan Variable: 5.43% (6.02%*) • Home Loan Fixed: 4.94% (5.95%*) • Fixed: 4.94% (5.95%*) • Variable: 5.43% (6.02%*) • Investment IO: 5.34% (5.97%*) • Investment PI: 4.99% (5.91%*)
123 Placeholder Street, MySuburb 2000
SYDNEY | MELBOURNE | BRISBANE | ADELAIDE

J Gear Pty Ltd T/As Mortgage Pass ABN 32 087 513 951 (Credit Representative Number 526611) is authorised under Mortgage Specialists Pty Ltd ABN 48 612 422 178 (Australian Credit Licence 387025). Suite 1/219 Merrylands Rd Merrylands 2160. Lv2, 263 Clarence Street Sydney 2000. Telephone: 0455 510 512. Primary Email: info@mortgagepass.com.au. The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. WARNING: This comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Important Information: Applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges are payable. Interest rates are subject to change. Offer does not apply to internal refinances and is not transferable between loans. As this advice has been prepared without considering your objectives, financial situation or needs, you should consider its appropriateness to your circumstances before acting on the advice.

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