Borrow Up To 95% LVR With $0 LMI
Eligible AHPRA-registered professionals may save tens of thousands on Lenders Mortgage Insurance.*
5.0 · 23 Google Reviews
Exclusive Home Loans & Lending Specialist For Medical Professionals
Leverage specialised medico loan structures to unlock your true borrowing power. Tim Murphy helps AHPRA-registered doctors, nurses and allied health professionals secure up to 95% LVR with $0 LMI, competitive rates, and approvals that understand shift work, overtime and complex medical incomes.
Medico-Only Rate Access
Compare products from 35+ lenders to unlock policies and discounts designed for the medical community.
White-Glove Concierge
You focus on your patients. Tim handles the banks, paperwork and liaison with other parties involved in the borrowing process such as conveyancers, accountants and agents.
MFAA Accredited Broker
Melbourne · Fitzroy to Craigieburn · Mon–Fri 9am–5pm
35+
Lenders compared on your behalf
95%
LVR with $0 LMI for eligible medicos*
5.0
Star rating from 23 verified reviews
$0
Cost to you — broker paid by lender
Free strategy session
Book a Confidential Chat
Check Your Medico Borrowing Capacity
Find out how much you could borrow with LMI waivers, overtime included, and the right lender for your profession — no obligation.
Our lender panel
Accredited to Compare 35+ Leading Lenders
Access major banks and specialist lenders — including policies built for medical professionals that retail branches rarely offer.
NAB
St George
Bendigo Bank
Ubank
La Trobe Financial
Macquarie
ANZ
Westpac
+ 27 more
Our solution
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Tailored Lending Solutions for Medical Professionals
From registrars to specialists — structures that reflect how you actually earn, not how a generic calculator assumes you do.
Up to 95% LVR With $0 LMI
Stop wasting capital on Lenders Mortgage Insurance. Eligible AHPRA-registered professionals can borrow up to 95% of the property value while waiving the LMI premium entirely.*
Exclusive Medico Rates
Don't settle for advertised retail rates. Tim compares 35+ lenders to unlock interest rate discounts and home loan policies reserved for doctors, nurses and allied health professionals.
Optimise Complex Medical Income
Standard assessors often misunderstand overtime, shift penalties, locum contracts and Medicare billings. Tim knows which lenders accept 100% of your true medical income.
Streamlined Admin Concierge
Your time is better spent with patients. End-to-end support — liaising with your accountant and the lender for a frictionless approval.
Practice & Commercial Funding
Buying consulting rooms or expanding your practice? Specialist business finance for medical practice purchases, fit-outs and investment structures.
Maximise Borrowing Capacity
HECS/HELP debts and trust structures shouldn't lock you out. Strategic applications presented in the best light to lenders with medico-friendly servicing calculators.
Our process
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Securing Your Medico Home Loan Is This Simple
A straightforward path from first conversation to confident pre-approval — built around your roster, not bank office hours.
Book Your Strategy Session
Schedule a brief, confidential consultation at a time that suits your clinical schedule. We'll assess your goals, income structure, and eligibility for LMI waivers and medico-only rates.
The White-Glove Concierge
You focus on your patients. Tim packages your application, gathers financials with your accountant where needed, and negotiates with credit assessors to maximise borrowing capacity.
Streamlined Pre-Approval
Walk away with clear pre-approval and confidence in your position — whether you're buying, upgrading, investing, or refinancing your existing home loan.
5 star rated
What Medical Professionals & Home Buyers Say
Real Google reviews from clients Tim has helped across Melbourne — from first home buyers to complex refinances and multiple purchases.
★★★★★
We recently refinanced with Tim and he was super helpful throughout the whole process. He made everything super easy — I would 100% recommend him to anyone looking to refinance or buy their first home.
★★★★★
Tim is an approachable professional with excellent communication skills. The process of applying for a home loan pre-approval was seamless. I would highly recommend him to first home buyers.
★★★★★
Great help from Tim as my partner and I progressed our mortgage application. Walked us through the scenarios, offered the advice we needed and were patient with my questions. Consistently kept us informed.
★★★★★
Tim helped me get my pre-approval for my first home. As someone very new to home loans, Tim made the process extremely easy and explained everything along the way. He was always available to answer questions.
★★★★★
Tim Murphy has been an outstanding broker, helping me successfully purchase two properties within 12 months. The second was particularly tricky, with several hurdles — Tim's persistence and knowledge got us through.
★★★★★
Tim and his team helped me refinance for the first time — great experience with good turnaround time. Tim responds to queries in a timely manner with friendly service. Highly recommend.
From 23 verified Google reviews · MFAA Accredited
Your medical lending specialist
Meet Tim Murphy
Finding the right loan shouldn't be stressful. I'm Tim Murphy — an experienced Melbourne mortgage broker serving clients from Fitzroy through to Craigieburn and across Victoria's northern suburbs.
Growing up in Essendon and working locally for years, I combine a 35+ lender panel with a people-first approach. For medical professionals, that means understanding the nuance behind shift penalties, registrar income, locum contracts, and the LMI waivers banks reserve for AHPRA-registered borrowers.
My job is to sit on your side of the table: handle the research, negotiation and paperwork, and shield you from the frustrating parts of dealing with banks — so you can focus on your practice and your patients.
- 35+ lenders compared — major banks and specialist medico policies
- Local & accessible — mobile broker, flexible after-hours appointments
- End-to-end support — pre-approval, purchase, refinance and annual reviews
- MFAA accredited — professional standards and ongoing education
FAQ
Frequently Asked Questions
Everything you need to know about securing a home loan as a medical professional in Australia.
LMI waivers are typically available to a wide range of AHPRA-registered professionals — including GPs, specialists, surgeons, dentists, nurses, midwives, pharmacists, optometrists and veterinarians. Residents and registrars may also qualify depending on income and lender policy. Eligibility depends on minimum income thresholds, registration status and the specific lender.
Standard branch assessors often shade or discount irregular income. Medico-specialist brokers know which lenders accept 100% of hospital overtime, shift penalties, locum contracts, Medicare billings and private practice income — critical for nurses and doctors whose payslips don't fit a generic template.
Large student debt is common for medical professionals and doesn't have to lock you out of the market. Different lenders use different servicing calculators — Tim selects policies that minimise the impact of HELP debt on your borrowing capacity.
No. While doctors are often the primary audience for LMI waiver products, many lenders extend similar benefits to registered nurses, midwives, dentists and other AHPRA-registered allied health professionals. Policy varies by lender — a comparison across 35+ options finds the best fit for your registration type and income.
For most home loans, broker services are paid by the lender — not by you. Tim's role is to find a suitable loan for your circumstances and guide you through approval at no direct cost for standard residential lending.
Tim is based in Melbourne (Craigieburn and northern suburbs) and works with clients across Victoria and Australia remotely. Video and phone consultations are available to suit hospital rosters and shift work.
Get started
Enquire About Your Medico Home Loan
Tell us a little about your situation — Tim will respond personally to discuss your borrowing capacity, LMI waiver eligibility and next steps.
Contact Tim Murphy
Phone
0474 596 692
Location
Mobile broker · Melbourne & Victoria
Fitzroy to Craigieburn
Fitzroy to Craigieburn
Hours
Monday – Friday: 9:00am – 5:00pm
After hours by appointment
After hours by appointment
Prefer to talk now? Call 0474 596 692 for a no-obligation chat about your medico home loan options.
Thanks for your enquiry!
Tim will be in touch shortly. For urgent questions, call 0474 596 692.