Neomoney Medico
Specialised Australian Medical Mortgage & Lending Desk
Direct Medico Line (AEST)
AHPRA Accredited Medical Finance Policy

Specialist Home & Investment Lending for Australian Doctors.

Borrow up to 90%–95% LVR with Zero Lenders Mortgage Insurance (LMI), structured around complex medical overtime, hospital allowances, and private consulting fees.

Up to 95%
Zero LMI Waiver
Purchases up to $4.5M-$5.0M with verified AHPRA qualification.
100%
Shift Allowances
Full shade on Queensland Health & interstate hospital overtime.
$130K+
Average LMI Saved
Direct cash savings kept in your clinical wealth portfolio.
9am – 5pm
Brisbane Desk Hours
Dedicated call windows tailored around handover and clinic times.

1. Medical, Nursing & Allied Practitioner Details

Doctors (Up to 95% No LMI) · Registered Nurses & Allied Health (Up to 90% No LMI)

2. Residential Finance Preferences & Objective

Calibrated against Tier-1 Australian medico lending guidelines

First Home Buyer (Up to 95% No LMI / 90% Allied)
Next Family Home Upgrade / Relocation
Refinance & Medical Equity Release
Residential Investment Portfolio Growth
Doctors & Specialists: Up to 95% Zero LMI
$2.20M AUD
~$83,600 AUD Waived
$500K $2.5M $5.0M+
Hospital Salary Packaging (Exempt Benefits) ✓
Uncapped Overtime Loadings & Penalty Rates
Private Practice Consulting Fees / ABN
Base Hospital Award / Permanent Roster

3. Select Preferred Shift Consultation Window

Brisbane Specialist Desk Hours: 9:00 AM – 5:00 PM AEST

09:30 AM – Morning Clinical Window (AEST)
11:00 AM – Mid-Morning Ward Break (AEST)
01:30 PM – Post-Grand Rounds / Theatre Break (AEST)
03:30 PM – Shift Turnover / Afternoon (AEST)
04:15 PM – Late Afternoon Briefing (AEST)
Custom Callback Window (9:00 AM – 5:00 PM AEST)
🔒 Strictly confidential AHPRA lending desk. No credit check or hard inquiry required.