Our Services

Home Loans→ Commercial Loans → Medico & Professional Loans → SMSF Loans→ Car & Asset Finance →

Exclusive Lending Benefits for Trusted Professions

At Kings’ Lending, we specialise in tailored home loan solutions for highly qualified professionals—those whose careers demonstrate income stability, low credit risk, and long-term earning potential. Whether you’re a medical expert, legal advisor, or financial professional, our loan solutions are designed to offer more: better rates, higher borrowing power, and Lenders Mortgage Insurance (LMI) waivers—even with deposits below 20%.

Medical Professionals – LMI Waiver Eligibility

To qualify, medical professionals must be currently practicing in an approved field and registered with the Australian Health Practitioner Regulation Agency (AHPRA).

Eligible professions include:

  • Anaesthetist
  • Chiropractor
  • Dental Practitioner
  • Dermatologist
  • General Practitioner
  • Obstetrician / Gynaecologist
  • Ophthalmologist
  • Optometrist
  • Paediatrician
  • Pathologist
  • Pharmacist
  • Physician
  • Physiotherapist
  • Psychiatrist
  • Radiation Oncologist
  • Radiologist
  • Surgeon
  • Veterinary Practitioner

Financial Professionals – LMI Waiver Eligibility

To be eligible, financial professionals must be practicing and registered with a recognised Australian institute.

Eligible roles and associations:

  • Accountants

    • Chartered Accountants Australia and New Zealand (CA ANZ)
    • Certified Public Accountants (CPA)
    • Institute of Public Accountants (IPA)

  • Actuaries

    • Fellow of the Institute of Actuaries of Australia (FIAA)

  • Financial Analysts

    • Chartered Financial Analyst Institute (CFA)

Legal Professionals – LMI Waiver Eligibility

Legal professionals must hold a current practising certificate with an authorised state or territory body.

Eligible professions and regulatory bodies:

  • Barristers

    • ACT, NSW, NT, QLD, SA, TAS, VIC, WA Bar Associations

  • Lawyers & Solicitors

    • Law Societies of ACT, NSW, NT, QLD, SA, TAS
    • Legal Practice Board of WA (LPBWA)
    • Victorian Legal Services Board (VLSB)

Why Professionals Choose Kings’ Lending:

  • Access to exclusive LMI waiver products from leading lenders
  • Expert navigation of eligibility and documentation
  • Competitive interest rates and reduced fees
  • Fast-tracked approvals tailored to busy professionals
  • Honest, transparent, and fully personalised support

What Is a Medico Home Loan?

A Medico Home Loan is a specialised mortgage product designed for eligible healthcare professionals. It recognises the low-risk nature of your profession and rewards your career trajectory with reduced costs, higher borrowing power, and exclusive loan features—all while streamlining the application process to fit your busy schedule.

Benefits of a Medico Home Loan

Here’s what sets a Medico Home Loan apart:

Reduced Interest Rates & Lower Fees

Due to your profession’s income stability, lenders may offer discounted rates and reduced or waived application and ongoing fees.

Higher Borrowing Capacity

With more flexible underwriting, lenders often approve higher loan amounts for medical professionals—even when compared to borrowers on similar incomes in other industries.

Smaller Deposit Requirements

While standard loans may require a 20% deposit, medico loans may offer approval with deposits as low as 5% or even 0%, depending on the lender.

FAQ

Doctors, dentists, and eligible professionals may qualify based on lender criteria.

In many cases, LMI may be reduced or waived.

Yes, certain lenders accept applications from early-career professionals.

Yes, these loans often come with highly competitive rates.

HOME LOANS

SECURE YOUR HOME WITH CONFIDENCE

Buying a home is a major milestone, and the right loan makes all the difference. At Kings’ Lending, we help first-home buyers, refinancers, and property investors secure tailored home loan solutions with competitive rates and flexible terms. We guide you through eligibility, documentation, and lender requirements, ensuring a smooth and stress-free journey from application to settlement—so you can focus on building your future with confidence.

  • First-home buyer, refinancing, and investment loan solutions

  • Competitive interest rates from a wide panel of lenders
  • End-to-end support from application to settlement
  • Clear guidance on eligibility, documents, and approvals
Leanr More

Get In Touch

TESTIMONIALS

OUR HAPPY CLIENTS

As a first-home buyer I was a bit overwhelmed, but the crew kept it simple and stress-free. They were always happy to answer my questions and made me feel comfortable the whole way through.

Sarah M.

Melbourne

Sahil and the team really went the extra mile to make sure I was across the whole process. Their patience, friendly approach, and clear advice turned what I thought would be a headache into an exciting milestone.

Daniel K.

Brisbane

Buying my first home was way easier than I expected. The team broke everything down step by step and explained it all in simple terms. It honestly felt stress-free from start to finish.

James W.

Sydney

OUR LENDING PARTNERS