Home Loans for Doctors

Make your next move on the property ladder

Whether you need a home loan to buy your first home, next home, refinance, renovate, or invest, as a doctor there are property market trends and borrowing insights to consider. Having a finance expert by your side with access to an extensive selection of loans that no one lender can match, including those who offer preferential loan services for doctors, can help save you time, money and financial headaches. Speak with a specialist today.

Insights into purchasing your first home

Entering the property market can be challenging. Avant can help you access up to 100% home loans and avoid lenders mortgage insurance (LMI)*.

To learn more about purchasing your first home and to access an Avant Property Report# provided by CoreLogic, click the tabs below.

Insights into purchasing your first home

Upsizing or downsizing? We can help.

As you step into a new stage of your life and/or career, you may be looking to purchase a new home. Whether you are a doctor, dentist, veterinarian, or specialist, you may be eligible to access up to 100% LVR home loans and avoid lenders mortgage insurance (LMI)*. Avant can help find you the most achievable, competitive and suitable financial solutions to purchase your next home.

Use Avant’s Property Reports# provided by CoreLogic to receive transparent data about your next home and speak with a specialist to learn your home loan options.

Upsizing or downsizing? We can help.

Benefits of refinancing

Every twelve months, you should determine your property value. If your property has increased in value, you could be eligible for lower interest rates. The cost savings could help you pay off your home loan sooner, or the extra home equity could be used to fund another venture.

For insights into your property’s value, suburb growth trends, comparable properties, and approximate rental returns, download your property report# provided by CoreLogic.

Benefits of refinancing

As time changes, so does the dream home.

Before determining if you should renovate or relocate, consider the price of similar properties in your suburb and desired area and whether these areas have experienced recent growth. Avant’s property reports#, generated by CoreLogic, can provide insightful data to help determine if you should renovate your house or relocate to a house more suited to your needs.

Avant’s property report provides transparent data about the estimated value of the home, suburb growth, school catchment zones, and comparable markets.

To learn about the finance options available to you and to download a property report, click the buttons below.

As time changes, so does the dream home.

Buying an investment property?

Access to property information, such as rental yield, cash flow estimates, suburb growth and estimated sale value is as important as having the right finance and leveraging your equity to set yourself up for success.

Use Avant’s Property Reports# provided by CoreLogic to learn what’s behind the closed door and speak with a finance specialist to learn about what finance solutions would best suit you.

Buying an investment property?
Kapunda, South Australia

Gain a client’s perspective

Discover what it’s like to have a dedicated Avant finance specialist on your side.

Gain a client’s perspective
When I originally was looking to purchase our first home, I had so much difficulty getting a loan. We had been to so many banks, that I felt like I was scouting everywhere. Then I met Jesse – within one month, he had it all sorted out.
Dr Maylene Pineda

Obstetrician & Gynaecologist, NSW

Why Avant Experience a level of personalised service, advice and care that places your financial needs and aspirations at the centre of everything.

Partner with a finance specialist

Build a relationship with a skilled and experienced doctor’s lending specialist who provides a level of personalised service and care you’ve been missing from your traditional banking experiences.

Connect now

Save valuable time

From direct phone, email and in-person contact with your dedicated finance specialist, to prompt solutions, minimal paperwork and consistent updates, we ensure your entire home loan experience is as immediate, beneficial and easy as possible.

Secure better home loans

Maximise your opportunities to acquire the ideal home loan solution for your needs by taking advantage of our unparalleled medical lending expertise, senior banking industry contacts, range of lenders and options designed for doctors.

Know we give back

Avant supports doctors at all stages of their careers by providing funding to improve quality, safety and professionalism in the practice of medicine.

Exclusively for doctors

Career costs, contracts while in training, diverse career paths, interim income and complex earnings…our people understand doctor’s unique professional and financing challenges more intimately than other lenders.

Arrange all your financing

We go on your entire journey with you. Whether you’re buying or upgrading a property, car, practice, equipment or something personal, we have the custom loan products and lending partners to help you thrive at every stage of your career and life.

Connect now

Ready to know more? Get in touch to find out how we can help you achieve your home loan goals

Send us an enquiry

Talk to a finance specialist today

1300 99 22 08
You don’t feel like you’re just dealing with some institution – it’s a very personal, individualised approach.
Dr Kedar Humnabadkar

Consultant Obstetrician

Frequently Asked Questions

The amount you can borrow, also known as your borrowing capacity or borrowing power, is based on your unique financial circumstances. Your income, assets, liabilities and credit history can all affect your borrowing power.

Avant finance specialists are well versed in doctor’s unique earnings, complex financial structures and other circumstances that make financing through many banks challenging. They have access to products and lending partners that specialise in lending for doctors.

This is very much dependent on which bank you decide on. You should be able to get an indication of borrowing capacity within a few days.

The deposit required depends largely on the type of home loan and lender. As a general rule, if you are an owner-occupier, you’ll require 5-10% of the purchase price as a deposit. If you are an investor, you’ll ideally require 10% of the purchase price, although it’s possible to purchase with less.

This is a one-off payment which varies by state or territory (from $7,000 up to $26,000) to assist eligible first home owners with purchase or construction costs. You can speak with an finance specialist to find out if you are eligible.

State government stamp duty is around 3-6% of a property’s selling price. Each state or territory has different rules and calculations. Some offer discounts or exemptions to first home buyers.

Market value is what someone will pay for that property on that day. You can uncover the estimated value of a property by accessing an Avant Property Report. Avant Property reports are generated by CoreLogic and  contain data used by real estate agents and banks and provide insight into:

  • A property’s estimated sale value
  • Estimated rental yields
  • Suburb growth trends
  • School catchment zones
  • Comparable properties on the market

Access your complimentary Avant property report here.

Bridging finance is available if you are looking to buy or build a new home prior to selling your current property even if the proceeds of the sale are required for your new purchase.

Talk to an Avant finance specialist to find out if bridging finance is suitable for your current situation.

State government stamp duty is around 3-6% of a property’s selling price. Each state or territory has different rules and calculations. Some offer discounts or exemptions to first home buyers.

Refinancing generally means moving your existing loan/s and corresponding mortgage/s from one lender to another. Banks may provide new clients with lower interest rates than existing clients. This is known as a loyalty tax. Speak with an Avant finance specialist to ensure you are on the most competitive loan.

You can refinance your home loan for many reasons, such as:

• securing a cheaper rate
• renovating your home.
• paying off debts and rolling them into your home loan.
• using funds to buy a car or shares

Depending on the product you choose, refinancing can help by:
• Reducing your monthly repayments on a lower interest rate
• Reducing risk by switching from a variable rate to a fixed rate.
• Reducing uncertainty around monthly repayment amounts.
• Providing the flexibility to pay off your loan faster
• Consolidating credit cards, personal loans or other debts into a lower rate loan
• Freeing up cash to finance a renovation or investment property purchase

Your Avant finance specialist can take you through the pros and cons of refinancing and arrange the most appropriate loan, should you decide to go ahead.

Some of the benefits of a Home Renovation Loan are:

• Flexible repayment options
• Flexible access to funds
• Competitive interest rates
• Quick and fast approvals.

The funds are available for almost any service, including:

• House maintenance
• Remodelling
• Painting
• New flooring
• Internal repairs
• External repairs.

Construction loans are approved specifically for your large renovation or build. You access those funds as progress payments instead of one lump sum.

For example, the bank may approve $500,000 for the construction, but these funds will be paid via drawdowns according to the progress payment schedule. They will not be made available all at once as they are in a renovation loan.

We challenge convention.
We surprise our clients.
We are never ordinary.

Talk to a finance specialist today

1300 99 22 08

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