Empower Your Financial Future with Tailored Lending Solution

SMART FINANCE ADVICE

Access leading mortgage and loan strategies built for doctors. From application, to approval, to settlement, we simplify the process and maximise benefits unique to your profession.

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500+

15+

Clients Supported

Years of Experience

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We specialise in mortgage solutions built for medical professionals, recognising your unique earning capacity, career progression, and financial circumstances.

Why Doctors Choose Us

We specialise in lending solutions that align with the unique financial profiles and career paths of medical professionals.

Partnered with 35+ lenders offering policy exceptions and deals not available to the general public.

Smarter Loan Structures

Fast, Hassle-Free Approval

From complex income to practice ownership, our strategies are built for flexibility and long-term growth.

Minimal paperwork and direct access to specialist divisions mean quicker, stress-free approvals.

Exclusive Bank Access

Tailored for Doctors

Our Services

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Home Loans

Buy, upgrade, or invest with doctor-focused lending No- LMI, flexible structures, and career-aligned support.

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Car Loans

Secure your next car with tailored solutions for doctors — fast approvals, less paperwork, and exclusive bank offers

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Commercial Loans

Invest in your practice or property portfolio with lending solutions tailored to your medical career and long-term goals.

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Not sure which service fits your needs?
We understand. Let us guide you toward the most effective solution for your situation.

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We specialise in home loan solutions tailored exclusively to doctors and medical professionals across Australia — helping you save time, reduce costs, and access lending benefits not available to the general public

Our Approach

Learn More

01

Discovery

We take the time to understand your career stage, income profile, and financial goals to build the right foundation.

02

Strategy Design

Using your profession and qualifications, we unlock doctor-specific loan benefits, from No-LMI to flexible structures for complex incomes.

03

Comparison

We compare options from over 35 lenders to shortlist the best-fit loan products, giving you clarity and control.

04

Application & Approval

We manage the paperwork and communication with banks and advisers so you can focus on your career.

05

Settlement & Support

We stay with you beyond settlement, helping with setup and future planning, because long-term trust matters.

What Some Our Customers Say

S Patel said

As a doctor my schedule is busy and the home loan process seemed overwhelming—until we found Blutin Finance. From the very first call Nojan and his team made us feel like we were in good hands and turned what felt like a distant dream into a reality. What stood out the most was their ability to break down complex financial jargon without making us feel like we were in over our heads. They were always available to answer our questions promptly and made sure we understood every step of the process. Their experience with banks gave us confidence that our pre-approval would go smoothly and it did.
From getting a competitive rate to recommending a great conveyancer and making settlement seamless, the level of service and care was exceptional. We always felt like we had a team of experts looking out for us which made all the difference.
If you’re a fellow medical professional looking to buy your first home I can’t recommend Blutin Finance enough. Thanks Nojan and team for making our home ownership journey stress free!
Sarah D said

Our first home in Melbourne – Big thanks to Nojan our mortgage broker for helping us get our dream first home in Melbourne! From day one he was proactive, knowledgeable and made the whole mortgage process seamless and stress free. He took the time to get to know us, found us the best deal and explained everything in a way that was easy to understand. What really stood out was his communication and personal approach. No matter how many questions we had he was always reassuring and had clear and helpful answers. His professionalism, expertise and genuine care made this whole thing enjoyable.
If you need a mortgage broker that goes the extra mile, Nojan from Blutin Finance Mortgage Broker is your guy. Thanks for making our first home purchase awesome!
Amir said

Highly recommended mortgage broker & financial advisor – Nojan has been an absolute gem throughout our refinancing and later home-buying journey. From the very beginning in 2022, his professionalism and expertise have been invaluable. He consistently communicated clearly and promptly, keeping us informed every step of the way. His in-depth knowledge of the mortgage process and their ability to find us the best deals have been truly impressive. We couldn't have asked for a better mortgage broker. We highly recommend Blutin to anyone seeking a knowledgeable, reliable, and dedicated financial advisor.
Lucy said

Excellent mortgage broker – Nojan has been absolutely amazing to work with, and I can't recommend him highly enough. He's been proactive, responsive, respectful, and incredibly capable. Nojan showed a genuine interest in understanding my goals, circumstances, and preferences to ensure I secured the best loan for my situation. As a first-time home buyer, there were many new concepts for me to grasp, and Nojan took the time to share helpful resources and explain options to me, allowing me to make well-informed decisions. He always treated me with the utmost respect. As a single mum going through some difficulties, I had concerns about potential extra challenges, but Nojan never viewed these as limitations and made the entire process more accessible than I had expected. Thank you, Nojan, for all your assistance; I can't express my gratitude enough. You've made this process much smoother than I had anticipated.
Jess said

I recently worked with Nojan and I couldn't be more impressed with the service. From the moment I reached out, he was professional, responsive, and genuinely interested in finding the best solution for my needs. The whole process was quick and Easy. Thanks again for your service Nojan
Jordan said

Nojan is one of the most hard working, knowledgeable and dedicated people I have had the pleasure of working with. He is always fighting for you and leveraging his extensive network to find the best deal for you circumstances. He is proactive and often reaches out to see how he can assist in getting me a better deal in the market.
Fiona said

Nojan is super professional, helpful and thorough, nothing was too much trouble, he went above and beyond to ensure the process went smoothly. Will definitely be using his service in the future!

Ready to Begin?

Book a free 30-minute consultation today and let us show you how we make home loans easier, smarter, and tailored to your medical career.

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Trusted by Australia’s  Medical Community

With deep experience and exclusive lender access, we've helped hundreds of medical professionals secure smarter home loans

500+

Clients Supported

35+

Lending Partners

15+

Years of Experience

95%

LVR with no LMI

Frequently  Asked Questions

Yes. As a doctor you have access to benefits not available to the general public. These include no LMI even when borrowing up to 95% of the property value, discounted interest rates and higher borrowing capacity. Lenders know that medical careers have a stable income trajectory and low default risk so you’ll get preferential terms all round, saving you tens of thousands of dollars over the life of your loan.
Yes, medical professionals (GPs, specialists, registrars, dentists, veterinarians) can get LMI waivers with most major Australian lenders. This means you can borrow up to 90% (and in some cases 95%) of the property value without paying LMI which would normally cost between $10,000 to $40,000+ depending on your loan size. You’ll need to provide proof of registration with AHPRA and evidence of your employment or practice.
With an LMI waiver you can borrow up to 90-95% of the purchase price without the usual insurance penalty. Some lenders will even lend 100% to medical professionals in certain circumstances. The amount depends on your income, existing debts (including HECS-HELP) and the lender’s serviceability criteria. As a guide, doctors can borrow 4-6 times their annual income but we assess each situation individually to maximise your borrowing power.
The major banks that offer LMI waivers for medical professionals are NAB, Westpac Group, ANZ and Commonwealth Bank. Each bank has different criteria, maximum loan amounts and LVR (loan-to-value ratio) thresholds. For example some lenders will waive LMI, up to 90% LVR while others will go to 95%. We work across all major lenders to find you the best rate and terms for your situation, whether you’re a registrar, GP, specialist or locum.
This depends on your specialty and career stage but as a rough guide: a GP earning $150,000 could borrow $750,000-$900,000; a registrar earning $100,000 might borrow $500,000-$600,000; and a specialist earning $300,000+ could borrow $1.5-$2 million. We can take into account your future earning potential, especially if you’re training towards fellowship and can include locum income, bonuses and overtime. HECS-HELP debt is also considered differently for medical professionals.
Yes, definitely. Many lenders understand that registrars are on a clear path to higher income and offer home loans with the same LMI waivers and preferential rates. We can work with your current income (including overtime and penalty rates). We may be able to factor in your expected income progression as you move toward fellowship, and structure the loan to suit your career stage. Some lenders even offer 'professional status' loans that consider your future earning capacity, not just your current salary.
Locum income can absolutely be used for your home loan application, though lenders assess it differently. Generally, you'll need 6+ months or 1-2 years of consistent locum work history, and lenders will average your income over that period. Some lenders take 80-100% of locum income into account, while others are more conservative. We work with lenders who understand the medical industry and recognise that locum work is standard practice for many doctors, particularly in rural and regional areas.
Yes. If you work in both public and private practice we can combine both income streams to maximise your borrowing capacity. You’ll need recent payslips for your PAYG work and typically 1-2 years of tax returns or financials for your private practice income. Many specialists are in this situation and lenders are familiar with this structure. The key is to show consistent income across both channels and strong serviceability overall.
Not necessarily. While HECS-HELP debt does affect your borrowing capacity, it’s often better to save your deposit and keep funds available for settlement costs. For medical professionals with LMI waivers the savings on LMI far outweigh the slight reduction in borrowing capacity from HECS. We can model both scenarios for you, paying down HECS versus investing those funds into your deposit, to show you the most financially beneficial option.