HOME LOANS FOR HEALTHCARE WORKERS GOLD COAST
Lending that recognises what your medical career is actually worth.
Alexandra Armenis
“Lee managed every aspect of our financing and made it stress-free, with updates at every step of the way. Our family would be giving six stars if we could.” Read more reviews here.
ABOUT SERRES, HEALTHCARE LENDING EXPERT
Chat with Lee, your Gold Coast healthcare lending expert.
For over 14 years Lee has run a private REIT with a diverse property portfolio — the foundation of Serres Property Finance. The business came out of something he kept noticing: lending is constantly evolving, and so are clients' needs.
There was a time when your bank manager knew you, and trust and service mattered more than a credit file. Then the GFC hit, the Banking Royal Commission followed, and the doors got harder to open — especially for complex borrowers like the self-employed, investors and first home buyers. Now, knowing which lender to approach and what they'll actually say yes to makes all the difference.
Lee's family are property owners and investors themselves. They started with one investment property in Newtown, then moved into care facilities and multi-storey residential development. So whether you're buying your first home, building toward retirement, or running a development, Lee knows the challenges you face and how to get the right outcome.
Credit Representative 550725 is authorised under Australian Credit Licence 486112.
1. LMI waivers to 90%, sometimes 95%.
A handful of lenders waive LMI for eligible medical, dental and veterinary professionals, which changes the deposit maths considerably.
2. Locum, contract and early-career income considered.
Registrars, locums and recent graduates often have income that doesn't fit a standard two-year history requirement. We know which lenders will still assess it favourably.
3. Structured for your next move.
Whether you're relocating for a hospital placement or setting up a private practice, we structure lending that won't need unwinding when your circumstances change.
Accredited with 70+ lenders.
We work with over 70 banks & lenders.
Some of the lenders we work with include:
How Our broadbeach Mortgage broker helps
Why do Gold Coast healthcare workers use Serres?
A handful of lenders offer LMI waivers and higher LVRs to eligible occupations including medical, dental, veterinary and allied health professionals, but eligibility criteria differ significantly between them.
We tell you what's achievable before you make an offer, and hold accreditations across a panel of 70+ banks, non-banks and specialist lenders to find the policy that fits your registration and income type.
Schedule a call to find out more.
BROADBEACH MORTGAGE BROKER REViews
“Serres helped with my refinance and did an excellent job finding me the right lender for my circumstances. I was kept up to date and everything moved forward as planned. Couldn't recommend Lee and Serres enough!"
Spica Delorino
June 2026
★★★★★
Contact our broadbeach broker today
Chat to Lee & our local home loan experts today.
Our team have over fifteen years experience helping Gold Coast locals, simply get in touch today.
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FAQs
Which healthcare professions qualify for LMI waivers?
Eligibility varies by lender but commonly includes doctors, dentists, vets and some allied health professionals. A handful of lenders extend waivers to 90% and sometimes 95% for eligible registrations.
I'm a registrar or locum, can I still qualify?
Often, yes. Some lenders assess registrars, locums and contract medical income favourably even without a full two-year history, though policy varies significantly by lender.
Does LMI waiver eligibility change if I set up my own practice?
It can. Moving from employed to self-employed practice income changes how lenders assess you, so it's worth reviewing your structure with us before you make the switch.
What documents do I need as a healthcare professional applicant?
Proof of registration with your relevant board, recent payslips or practice financials, and standard income documentation. We'll confirm exactly what your chosen lender requires.
