HOME LOANS FOR MEDICAL PROFESSIONALS
A home loan
strategy built around your medical
career.
Umbra helps doctors navigate complex income, compare suitable lenders and
explore profession-specific lending options, without adding more admin to an
already demanding week.
Know where you stand before
you choose a lender:
> Potential eligibility for an LMI waiver
> How lenders may assess your income
> Your indicative borrowing position
> Loan structure for your next property move
50+
Lending partners
Doctor-aware
Income assessment
After-hours
Video consultations
End-to-end
Support to settlement
Why doctor lending is different
Your income is rarely as
simple as a payslip.
Medical careers often combine base salary, overtime,
allowances, contract work or private practice income.
Different lenders can interpret the same profile in very different ways.
Eligibility, credit criteria and individual lender policies apply. LMI waiver options are not available to every applicant.
Complex income
We present your earnings clearly and identify lenders whose policies may better reflect how you are actually paid.
Profession specific options
Eligible medical professionals may access LMI waivers or other policy concessions that are not obvious from a standard rate comparison.
Future focused structure
Your first decision can affect the next. We consider offsets, loan splits and future investment plans—not just today’s approval.
Built for medical careers
Advice that
considers the stage
you are in, and the
next one.
Whether your income is still evolving or already established, the right lender and structure can look different.
Registrars
Career-stage income, overtime and future earning capacity.
GPs
PAYG, contractor and practice-derived income structures.
Specialists & consultants
Multiple income sources, investments and longer-term structuring.
A considered process
Clarity first. Paperwork
second.
We start by understanding the decision you are trying
to make, then narrow the lender options around your
actual circumstances.
Private assessment
We discuss your income, property plans, deposit and timing in a focused 30-minute conversation.
Compare & recommend
We assess suitable options across Umbra’s lender panel and explain the trade-offs in plain language.
Manage to settlement
Umbra coordinates the application, lender requirements and progress updates through to settlement.
Why Umbra
Finance guidance
without the noise.
Umbra is a Melbourne-based finance brokerage built for people with
demanding careers and complex financial lives. You deal directly with a
broker who understands the detail and keeps the process moving.
Broad lender panel
Access to more than 50 lending partners.
Flexible appointments
Video consultations, including after-hours where required.
Clear comparisons
Options and trade-offs explained without jargon or pressure.
Ongoing support
A relationship that continues beyond settlement.
Common questions
A few useful
answers before
we speak.
Does every doctor qualify for an LMI waiver?
No. Eligibility depends on your profession, registration, income, deposit, property, loan purpose and the policy of the particular lender. We can help identify which options may be relevant before you apply.
Can overtime, allowances or locum income be included?
Potentially. Lenders vary in how they assess additional and non-standard income, as well as how much history they require. Your assessment will focus on how your specific income could be treated.
How early should I speak with a broker?
Ideally before you make an offer or become attached to a property. An early conversation gives you time to understand your indicative position, deposit requirements and any documents likely to be needed.
Can Umbra assist with an investment or refinance?
Yes. The assessment can cover an owner-occupied purchase, investment property, refinance or the structure required for a future property plan.
What should I prepare for the first conversation?
A rough idea of your income, existing debts, savings, target property budget and timing is enough to begin. We will tell you what supporting documents are relevant after we understand your position.
Your next step
Start with
a private, no
pressure
conversation.
Choose a time directly, or prepare a short email enquiry
so we can understand what you need before responding.