探索专为医生设计的独家房贷福利
医生通常具备高收入潜力与稳定职业背景，因此在贷款机构眼中属于低风险借款人，可享受以下特权：
- 更低利率优惠
- 更低首付款要求
- 更快的审批流程
- 更灵活的还款方式
许多银行及非银行机构为注册医疗从业者推出医生专属贷款方案，提供更具竞争力的条款。对于普通购房者来说，较低首付通常意味着需要支付高额的贷款保险（LMI）；但如果您是已注册的 AHPRA（澳洲医疗执业管理局）成员，可申请高达 90%–100% 的贷款额度，且可豁免 LMI。
As your trusted mortgage brokers for doctors, we ensure you access all exclusive benefits and maximise your borrowing potential to achieve favourable financial outcomes. Whether you are a doctor or any other medical professional planning to purchase a home or acquire an investment property, we can help you secure an appropriate mortgage. We have been in the business for over 10 years and have in-depth knowledge of the property market. We remain in sync with market fluctuations and changing regulations, helping our clients make informed decisions at each step of their mortgage journey.
全程协助贷款流程。Original Wealth 拥有 10 多年房贷服务经验，深谙房地产市场规律与信贷政策变化，能够为医疗专业人士提供稳妥、个性化的房贷策略，让您每一步都信心十足、决策明晰。
屡获殊荣的专业团队，成绩有目共睹
2024
Top 100 Brokers
2024-2025
Elite Broker
2023-2024
Highest Number of Loans Settled
2023-2024
Highest Dollar Volume
2024
MQG Diamond Club
2024
Top Brokerage MPA Australia
2023
MPA Top 100 Brokers in Australia
2021
MPA Top 100 Brokers in Australia
2019-2020
Franchise of the Year (VIC)
2019-2020
Managing Director's Rising Star Award
2023
Choice Platinum Achiever
2020-2021
Franchise of the Year (VIC/TAS)
2020-2021
National Mortgage Broker of the Year
2022
Choice Platinum Achiever
为什么选择我们的房贷经纪人？
对接 40+ 家贷款机构
我们与超过 40 家银行及非银行贷款机构建立合作关系，确保您可以灵活选择多样化的贷款产品，并从中挑选最符合您需求的方案。
全程协助服务
从初步产品推荐、贷款对比选择、材料准备到获批落地，我们全程为您把关每一步，让您安心无忧。
站式金融服务
无论是税务规划、法律审核还是未来财务布局，我们都能凭借行业网络为您对接值得信赖的专业顾问，为您的房产之路保驾护航。
高效无忧的办理流程
作为医疗从业者，时间宝贵。我们会代为处理所有贷款流程及文书工作，让您专注于事业发展的同时，也能轻松完成贷款申请。
Reliable Mortgage Brokers For Doctors Home Loans
At Original Wealth, we approach finance for medical professionals with the highest level of care and accountability.
Whether you are new to the property market and are investing in your first home or are progressing to build your portfolio, we present clear options and explain every financial implication before you proceed.
Lenders across Australia recognise doctors as low-risk borrowers. However, a few restrict this assumption to GPs and Surgeons. Here is when we step in ensuring you receive favourable loan outcomes, regardless of whether you’re a Vet, Optometrist or a Pharmacist.
Waived LMI (Lenders Mortgage Insurance) is another benefit that lenders offer to doctors. While some offer 90-95% of LMI-free loans, there are a few allowing medical professionals to borrow 100% of the property value. Since we’ve been consistently working with more than 40 banks and non-banks, we recognise institutions that provide exclusive benefits for doctors. We reach out to such lenders directly, saving you time spent in finding them.
As mortgage brokers, we’re legally bound by BID (Best Interest Duty which means we must act in your best interest. So, we compare dozens of lenders to find the one that offers the best combination of low rates, low fees, and the highest LVR (Loan-to-Value Ratio).
Maximising Property Opportunities with Doctors Home Loan
Understanding these lending advantages is one part of the equation. Applying them properly is where value is created. Our structured process includes:
Initial Assessment
We start with understanding your career trajectory, whether you’re an intern, registrar, consultant or soon to be a private practitioner. Verification of AHPRA license and understanding of goals follow. These include whether your need is to buy your first home, upgrade an existing one, invest in additional property, or look for home and land packages.
Document Assemblage
In most cases a doctor’s pay slip isn’t simple. It’s filled with overtime, on-call allowances , shift penalties and many such extras. We assess all these income sources and accumulate these so as to boost your borrowing capability. All other necessary documents such as registration copies and contracts are collected.
Negotiation
We reach out to multiple lenders to secure the best value. Due to our long-standing acquaintance, we can avail doctors home loans at competitive rates.
Pre-Approval with Purpose
We prepare and lodge your application with accuracy. Documentation is structured correctly from the outset and lending policy considerations are addressed early. This reduces unnecessary delays and strengthens your negotiating position in competitive markets.
Approval and Settlement
After you secure a property, we coordinate valuation, unconditional approval and documentation. We work closely with lenders, conveyancers and relevant parties to keep settlement on schedule while keeping you informed at every stage.
As brokers specialising in home loans for doctors, we understand how lenders assess medical professionals within lending frameworks. We ensure your home loan reflects the career you have worked hard to build.
计算并做出明智的财务决策
合作贷款机构
常见 问题解答
可以。医生及其他医疗专业人士因收入稳定、风险较低，被多数贷款机构视为优质客户。因此，很多银行和非银行机构会提供更低首付、更优惠利率，甚至免除 LMI（贷款保险）的房贷方案。在 Original Wealth，我们了解并掌握所有相关政策，确保您在贷款过程中充分享受医生专属优惠。
与普通贷款人不同，医生通常不受 20% 首付的限制，有机会贷款高达房产价值的 100%。不过，具体贷款额度仍需视您的收入结构、信用情况与贷款机构的具体要求而定。Original Wealth 会为您匹配合适贷款方，并争取最有利的利率与条款。
可以。医生专属房贷不仅适用于资深医生，也适用于实习医生、住院医师及初入职场的医疗从业者。但部分贷款机构可能对工作年限较短的申请人不提供所有专属优惠。我们会根据您的具体职业阶段，协助您找到条件合适的贷款产品。
虽然您可以自行寻找贷款产品，但要最大化贷款额度、缩短审批时间、简化流程，建议与专精医生贷款的房贷经纪人合作。Original Wealth 的贷款顾问团队将帮助您锁定医生专属优惠，做出最优贷款决策。
可以。医生同样可以通过转贷来降低利率、优化贷款结构或整合现有债务。转贷的具体收益将根据您的贷款状况而定。我们会为您提供贷款健康评估，并协助您判断是否适合进行转贷。
以下医疗从业者通常符合医生贷款优惠资格，包括但不限于：
- 全科医生（GP）
- 各类医学专科医生（如心脏科、皮肤科等）
- 外科医生
- 麻醉师
- 放射科医生
- 精神科医生
- 牙医
- 正畸医生
- 兽医
- 药剂师
- 验光师
- 脊椎神经治疗师
如需确认您的职业是否符合资格，欢迎联系我们评估。
部分贷款机构对医生提供优先审批服务，只要材料齐全，有望在 1–5 个工作日内完成审批。在我们的协助下，您可加快流程，确保提交无误、完整的申请材料，避免不必要的延迟。
需要。贷款机构通常要求您提交相关职业认证材料，包括：
- AHPRA 注册证明
- 医学学位证书
- 医院/诊所的雇佣合同或近期工资单
- 如为自雇医生，需提供 ABN 注册证明
- 当前职位或头衔的说明文件
以下职业虽属于医疗领域，但由于收入不稳定或风险等级较高，通常不被纳入 LMI 豁免范围：
- 护士
- 急救人员（Paramedics）
- 职能治疗师
- 语言治疗师
- 营养师与饮食顾问
- 足病治疗师
- 老年护理人员
- 心理健康支持人员
可以。医生专属房贷不仅适用于自住购房，也可用于购买投资房产。不过，不同贷款机构在适用条件上有所不同，建议与专业经纪人合作，锁定支持投资用途的贷款产品。欢迎联系我们了解更多信息。
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