Bypass Retail Branch Lending Caps & Scale Your Property Portfolio
As a medical specialist, surgeon, or established practice owner, your annual earnings frequently surpass $400,000 to $1,200,000+. When you seek to acquire a prime family residence or expand a high-value commercial and residential portfolio, standard branch policies quickly become a roadblock.
Retail branches operate with hard internal lending caps (often restricting 90% or 95% LVR loans to $1,500,000 or $2,000,000 max). Beyond these limits, they demand massive 20% to 30% cash deposits or decline the file entirely.
Specialized Medico Private Banking desks operate under institutional credit mandates designed specifically for high-net-worth medical professionals. They offer single-exposure borrowing caps up to $4,500,000 at 95% LVR, and $10,000,000+ for multi-asset medical groups.
Here is our strategy: We ask you a few quick questions about your situation, then match you directly with an accredited specialist who will fight for your approval, cut through bank red tape, and deliver your loan with zero stress. Get matched directly with an accredited specialist in 60 seconds via the Mortgage Matcher.
How It Works (Takes 2 Minutes)
Wholesale Borrowing Capacity & Add-Back Simulator
Calculate your borrowing capacity using alternative documentation and non-bank credit policies.
| Lender Tier | Max 95% LVR Cap | Max 90% LVR Cap | Max Portfolio Exposure |
|---|---|---|---|
| Standard Retail Branch | $1,000,000 - $1,500,000 | $1,500,000 | $2,500,000 |
| Tier-1 Medico Desk (Major Bank) | $4,500,000 | $5,000,000 | $10,000,000 |
| Specialist Medical Private Bank | $5,000,000 | $7,500,000 | $20,000,000+ |
| Wholesale Commercial Medical | Case-by-Case | $10,000,000 | $50,000,000+ |
1. Single-Security vs. Aggregate Exposure Limits
When evaluating maximum borrowing capacity, wholesale banks distinguish between single-security limits (the maximum loan on an individual property) and total aggregate exposure (the sum of all residential and commercial facilities with that banking institution).
While a standard retail borrower is capped at $2.0M aggregate exposure before triggering rigorous executive credit sign-offs, accredited medical specialists can maintain $10.0M+ in combined facilities under streamlined credit delegation.
2. High-Income Servicing Verification for Multi-Million Dollar Loans
Securing a $3M to $5M mortgage requires clean servicing documentation that accounts for all clinical revenue streams:
- Public Hospital Staff Specialist Salary: Base salary plus 100% recognition of on-call, overtime, and clinical leadership allowances.
- VMO & Fee-for-Service Billings: Averaging 1 to 2 years of Medicare and private health insurer remittance advices.
- Private Practice Trading Profits: Adding back non-cash depreciation, practice vehicle write-offs, and company super contributions.
- Trust Beneficiary Distributions: Structuring tax returns to prove ongoing discretionary trust income stability to credit underwriters.
3. Negotiating Tier-1 Wholesale Rate Margins at Scale
Large loan balances ($2.0M to $5.0M+) provide immense pricing leverage. Retail branches quote standard packaged discounts of 1.5% to 2.0% off the standard variable rate.
Through wholesale Medico Private Banking channels, pricing managers issue discretionary pricing exceptions, discounting wholesale variable margins by up to 2.40% to 2.85% below standard reference rates.
Accredited Mortgage Specialists
Accredited credit representatives independently verified against the ASIC Professional Register. Governed by statutory Best Interests Duty (BID) with direct wholesale lender desk access.
David Chi Tran
Emerge Finance
Frequently Asked Questions: Doctor Mortgage Borrowing Limits & Maximum Caps Australia (2026)
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