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Home Loans

From first home to forever home, we’ll help you get there.
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Your home loan, made simple — by people who get doctors.

Buying, upgrading, or refinancing? Credabl makes home finance simple for medical, dental and veterinary professionals. We understand your unique income structures, career paths and the challenges that come with them — and we tailor solutions to fit.

Whether it's your first home or your next investment, our home loan specialists will guide you from application to settlement. No jargon. No red tape. Just the right home loan solution to help you get where you want to be.

Smart, simple finance for the place you call home.

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How Credabl helps medical, dental and veterinary professionals unlock the door to their first home.

Buying your first home can be daunting, but it's also exciting. Kimberley Darby unpacks the benefits available to dental, medical and veterinary professionals with a home loan powered by Credabl, so you can unlock the door to first home ownership sooner.

How Credabl helps medical, dental and veterinary professionals unlock the door to their first home. Play button

Accessing your home loan powered by Credabl gives you an open door to:

Better medical finance can make a big difference to your practice.

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Flexible and competitive loan options

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Personalised repayment solutions

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Offset accounts

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Power to negotiate based on your profession

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A Home Loan partner who knows you

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"Credabl were amazing to deal with all the way from the initial approval to executing on the purchase. I wouldn't hesitate to recommend."

★ ★ ★ ★ ★
Darrah Monaghan

"I strongly recommend Credabl. Our home loan process couldn't be smoother, The process was fast and the rates unbeatable."

★ ★ ★ ★ ★
Dr Vanessa Schneider

"Brilliant service. Professional, hassle free and competitive rates that makes financing your needs a breeze."

★ ★ ★ ★ ★
East Coast Dental Services

"Credabl were amazing to deal with all the way from the initial approval to executing on the purchase. I wouldn't hesitate to recommend."

★ ★ ★ ★ ★
Darrah Monaghan

"I strongly recommend Credabl. Our home loan process couldn't be smoother, The process was fast and the rates unbeatable."

★ ★ ★ ★ ★
Dr Vanessa Schneider
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★ ★ ★ ★ ★
5 star rating on Google
We have a 5 star average on Google with over 289 happy clients.

Want to know more?

Here's a few frequently asked questions to get to know us better.

Unlike standard home loans, home loans for doctors are tailored to meet the unique financial needs of medical professionals. They take into account their career trajectory, earning potential and the likelihood of them becoming successful property owners. In many cases, lenders can offer higher borrowing limits, better interest rates and even waivers on Lender’s Mortgage Insurance (LMI) for doctors. 

Lenders mortgage insurance (LMI) is an insurance policy taken out by a bank when lending to a borrower who requires a loan that exceeds 80% of the value of the property securing that loan. The insurance policy covers the bank ONLY for any shortfall they may incur in the event the lender default on their loan and are forced to sell the property to repay the debt. The borrower has to pay the insurance premium on the bank’s behalf. Although the LMI premium can be added to the loan (in most cases), the premium is likely to be in the thousands of dollars and will also be repaid (plus interest) over the term of the loan. The good news is that Credabl and other lenders can offer finance solutions to medical professionals for loans over 80% lending that does not require the payment of LMI. 
Your borrowing capacity for a home loan as a doctor will depend on several factors. Lenders will consider your income, credit score, existing debts, the type of loan you are applying for and your lifestyle and living expenses. As a doctor, you may qualify for higher loan amounts due to your potential earnings and job stability. 
Yes, home loans for doctors can also be used for purchasing investment properties or holiday homes. This flexibility allows doctors to leverage their high-earning potential and favourable lending terms to build wealth through property investment. 
When comparing lenders for home loans, doctors should consider factors such as interest rates, loan terms, flexibility and the level of customer service provided. Also, look at the benefits a lender offers to doctors, such as waived LMI or increased borrowing limits. It can be beneficial to consult with a lender who has experience in home loans for doctors, like Credabl, to make the most informed decision. 
See more questions

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Home Loan Information

Access to your Home Loan is now direct via Bendigo Bank.

Please contact Bendigo Bank on 1300 652 220 for assistance.

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