Velox Capital specialises in home loans for doctors, designed to match the unique income structure, career stage, and financial goals of medical professionals. Whether you are a junior doctor purchasing your first property or an established specialist upgrading your family home, we help you secure the right finance with confidence.
We understand that doctors often face challenges when it comes to traditional lending such as irregular payslips, HECS debt, contractor roles, or trust income. That is why we provide access to lender policies that specifically cater to mortgages for doctors, including options for waived Lenders Mortgage Insurance, higher borrowing capacity, and competitive rates.
At Velox Capital, we manage the full loan process from start to finish, saving you time and providing clear, strategic advice every step of the way.
Why Doctors Choose Velox Capital
- Specialist lending access
We understand how to structure a home loan for doctors using your current and projected income, trust structure or contracting setup - Waived LMI opportunities
Eligible doctors may access loans up to 90 to 95 percent LVR with no Lenders Mortgage Insurance, reducing upfront costs significantly - Higher borrowing capacity
Medical professionals often qualify for enhanced loan limits due to their career trajectory and strong income potential - Fast and clear process
We know you are time poor. Our process is efficient, responsive and built around your schedule - More than a broker
We are your long-term finance partner, here to support future investment purchases, refinancing, and wealth building
Who We Help
Our mortgage for doctors services are tailored to:
- General Practitioners (GPs)
- Surgeons and AnaesthetistsÂ
- Psychiatrists and psychologists
- Specialist Consultants (e.g. dermatologists, neurologists, cardiologists)
- Dentists and Orthodontists
- Pharmacists
- Allied Health Providers
- Imaging and Diagnostic Clinics
- Nurses and Nurse Practitioners
Whether you run a solo practice or a multi-location clinic, our tailored mortgages can help you meet your goals.
What Sets Us Apart
They consistently say Velox Capital makes complex financial situations easier to manageOur clients describe us as professional, reliable, and easy to deal with. They consistently say Velox Capital makes complex financial situations easier to manage. Here is what differentiates us:
- Simplification of complex processes
- Personalised, client-focused service
- Faster turnaround times
- Transparent, honest advice
- Creative problem-solving
- Ongoing support, not just one-off transactions
- Multi-option lending strategies clearly presented
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We know your time is limited. That’s why doctors turn to Velox Capital for clarity, efficiency, and results.
Our Process
When you enquire about a home loan for doctors, here’s what to expect:
- Strategy session
We get to know your current role, income and future goals to map out the right finance strategy - Loan Matching
You receive a shortlist of mortgages for doctors, with clear advice on structure, rates, pros and cons and eligibility - Documentation and application
We manage the entire application, liaising with your chosen lender to ensure everything runs smoothly - Ongoing partnership
We are here beyond settlement, reviewing your loan regularly and supporting you through every stage of your career
Ready to Get that House?
If you’re a medical professional seeking a home loan for doctors to start, grow or strengthen your practice, Velox Capital is here to help. Our experience in arranging mortgages for doctors gives you a strategic advantage in a competitive healthcare environment. We remove the time and hassle from the finance process, so you can focus on delivering quality care while we secure the right finance solution for you.
Frequently Asked Questions - FAQs
Yes. Many lenders offer doctors access to exclusive benefits such as discounted interest rates, higher borrowing limits, and waived LMI (Lenders Mortgage Insurance) even with deposits below 20 percent.
In many cases, yes. Lenders often view doctors as low-risk borrowers and may offer higher loan-to-value ratios or more flexible income assessments, including consideration of private billing and locum income.
Absolutely. Velox Capital works with lenders who understand medical income structures, including contracting, multiple sources of income, or short-term roles. We ensure your income is correctly presented to maximise approval chances.
Yes. We can assist with both personal and investment lending. We often help doctors structure loans in a way that supports long-term wealth creation, including interest-only loans, split loans or SMSF lending when appropriate.
You typically need proof of income (payslips, tax returns or contracts), ID, details of any debts, and savings history. We will guide you through the specific documents required based on your role and employment type.