Up to 100% home loans for doctors and no LMI*

Are you a junior doctor looking to purchase your first home? Avant Financial Services is here to help.

We specialise in home loans for doctors and have access to a wide range of financing options that no one lender can match. We help find our clients competitive and suitable finance solutions such as 100% loan-to-value (LVR) home loans with no lenders mortgage insurance (LMI)* by understanding and explaining doctors’ unique income streams, career journeys and most importantly, credit character to a range of banks and financial institutions. Subject to servicing ability, 100% LVR + no LMI loans are available to help junior doctors who haven’t yet earned enough money for a deposit to get into their own homes sooner. 

Request a free consultation today with an Avant finance specialist today.

Do you already have a property in mind?

Use the Avant Property Report#  tool to gain insight into the property’s estimated valuation, suburb growth rates, estimated rental yields, school catchment zones and comparable properties on the market.

To access a CoreLogic generated Avant Property Report, click here.

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.

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. Due to our relationship with lenders that offer preferential treatment to doctors, you may be able to access up to 100% of the loan amount.

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.

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

I was being laughed out of the bank by the managers. They said 'come back in ten years time when you’re qualified...' Penny took away the difficulties associated with dealing with the banks, that really enabled us to buy our first house.
Dr Matthew Read

Upper GI surgeon

Morne and Cassandra always go beyond expectations to help me with my mortgage needs! They fight our battles when it comes to betters interest rates, valuation and getting every single of the process sorted out! They’re highly recommended with eyes closed!
Dr Thiago Moreira

Resident Medical Officer

If I could give 10 stars, I would! Service was excellent. Our loan was complex and it didn’t faze them. With their professionalism, patience and persistence, they secured it.
Dr Kwai Lee

General Practitioner

Would highly recommend Kate Farley and Matthew Anderson if you are looking for finance for practice or property. She kept me updated throughout the process and addressed all my concerns promptly. Really a smooth and a 5 star service.
Dr Khashayar