MEDICO & SPECIALIST HOME LOANS

HOME LOANS

COMMERCIAL LENDING

INVESTOR LOANS

ASSET & VEHICLE FINANCE

Link Advance works directly for you in the home loan process. We help with new purchases for first home buyers, owner occupied loans, investment loans, refinancing existing properties, commercial finance, business lending, asset finance, and vehicle finance.

MEDICO & SPECIALIST HOME LOANS

For most borrowers in normal circumstances, you'll need a full 20% deposit on a property, or a guarantor if you are to avoid paying lenders mortgage insurance. When you consider just how big a 20% deposit is in the current real estate market, you're talking about hundreds of thousands of dollars, so amassing this full amount can be extremely difficult to do. When you're talking about having to pay lenders mortgage insurance if you don't have a full 20% deposit, the LMI can increase the cost of your loan by tens of thousands, and it's a form of insurance that protects the lender, not you.

However, for people with certain specialised jobs, like doctors or dentists, you can often borrow 90%, and occasionally even up to 95% of the purchase price of a property without paying LMI. The reason for this is that traditionally, these jobs have provided very stable employment, and the statistics suggest that people with these jobs rarely default on their home loan repayments. For these reasons, medical specialists and some other traditionally safe professions often get access to better rates and deals than most other borrowers.

This means that you can buy sooner, and most importantly, save yourself tens of thousands of dollars off your loan.

If you would like to check your eligibility for a specialised loan of this type, or for a full list of professions covered by these packages, contact us today.

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