Exclusive Home Loans & Lending Specialist For Medical Professionals.
Leverage specialised Doctor Mortgage Loan structures and policies to unlock your true borrowing power. With over a decade of ex-banker expertise, we secure AHPRA-registered professionals up to 95% LVR with absolutely zero LMI, heavily discounted rates, and complex income approvals.
Borrow Up To 95% LVR With $0 LMI: Eligible AHPRA-registered professionals can save tens of thousands on Lenders Mortgage Insurance..*
Unadvertised Medico Rates: We bypass retail channels to negotiate heavily discounted, exclusive interest rates directly with 40+ major lenders.*
Streamlined Admin Concierge: You focus on your patients, we handle the paperwork. We liaise directly with the banks and your accountant for a frictionless approval.
Trusted by Medico Professionals
Proven Results That Speak for Themselves
Lending Secured Australia-Wide
Professionals & Home Buyers Assisted
Years Ex-Banker Experience
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Our Solution
Tailored Lending Solutions for Medical Professionals
Our Process
Securing Your Medico Home Loan is This Simple
5 Star Rated
From 80+ Reviews
Reviews
What Our Clients Say
Hear from doctors, dentists, and other professionals who trusted Coin Capital to navigate their complex incomes and secure premium property finance.
Ronil has been an amazing finance broker. Not only did he go above and beyond, responding to me even at late hours, but he also ensured my finance approvals were completed quickly and smoothly. He always puts my best interests first and genuinely works to make my money work for me. I’ve been using Ronil’s services for over 10 years, and I can confidently say that his professional advice and deep financial knowledge have been instrumental in building my financial stability. I’m truly grateful for his consistent support and highly recommend him to anyone looking for a trustworthy finance expert.
KK
Kai Kun
Verified Google Review
I recently worked with Ronil as my Finance strategist and mortgage advisor for a property purchase, and I couldn't be happier with the experience. He was incredibly knowledgeable and helpful throughout the entire loan structuring and application process, always providing clear explanations and guidance. His expertise and attention to detail truly exceeded my expectations, making what can often be a complex process feel seamless. I highly recommend Ronil to anyone in need of loan brokerage services. Thanks again for your outstanding work.
DK
Damaris Kyalo
Verified Google Review
Ronil has been my broker for the last 5 years and he's still as awesome as he was then, if not better. He helped us get our first property and three properties later, I can say that it's always a pleasure to work with him. He knows his stuff, is very professional, and importantly he's a super nice and kind person, so it feels like you always have a friend in your corner as you make some of the biggest financial decisions of your life. I have recommended him to many of my friends, and they too have recommended him to others, which all speaks to Ronil and Coin Capital's competence and quality. You won't regret having him as your broker, for sure.
SA
Samuelson Appau
Verified Google Review
I had a truly great experience working with Ronil. He is an absolutely amazing financial broker - knowledgeable, dedicated, and incredibly supportive from day one. What seemed unlikely at first became possible thanks to his expert guidance and persistence. Ronil went above and beyond to help me secure the loan amount I was hoping for, and I couldn’t be more grateful for his efforts. I highly recommend his services to anyone looking for a reliable and results-driven broker.
PP
Pravakar Pradhan
Verified Google Review
Highly recommend Ronil as your broker! He was extremely helpful, easy to work with and very knowledgeable! He made the entire process as smooth and simple as possible. He helped us through the process with great communication from the get go and made sure we got the best options available!
KH
Karishma Hayer
Verified Google Review
We had the pleasure of receiving Ronil's exceptional services as a mortgage broker over a number of years. Ronil is highly efficient, uses clear communication, and thoroughness in all his dealings, which made our experience seamless and stress-free. We were genuinely pleased with the level of expertise he brings on and helps in tailoring the service to your personal financial situation. We highly recommend Ronil at Coin Capital to anyone seeking a reliable and knowledgeable mortgage broker, as his outstanding service surpassed all our expectations.
AH
Aniket Hivarekar
Verified Google Review
It was a pleasure working with Ronil. Very prompt in answering any question and goes out of his way to help ensure a smooth process. I would highly recommend him and will definitely use him for any future purchase.
LV
Lynette Vincent
Verified Google Review
Your Medical Lending Specialist
Meet Ronil Shah
As a former banker with over a decade of finance experience, I've seen firsthand how traditional lenders misunderstand the complex income structures of medical professionals. I transitioned to being a specialist doctor mortgage broker to sit on your side of the table.
Having settled over $500 million in home loans for medical professionals Australia-wide, my goal is simple: to leverage my insider banking knowledge and deep lender relationships to negotiate the exclusive LMI waivers and premium structures you deserve. I handle the heavy lifting and the bank negotiations of your doctor mortgage loan so you can focus on your practice and your patients.
Over a Decade of Ex-Banker Experience: I know exactly how bank credit assessors evaluate complex medical incomes, shift penalties, locum contracts, and trust structures.
$500M+ in Settled Loans: Trusted by hundreds of professionals Australia-wide to seamlessly manage high-value property purchases and complex investment portfolios.
Strategic Wealth Structuring: I go far beyond just securing a low rate. I structure your loans correctly from day one to ensure you have the flexibility to build a robust, long-term property portfolio.
FAQ
Frequently Asked Questions
Everything you need to know about securing an exclusive medical professional home loan.
Which medical professionals actually qualify for a Doctor mortgage loan with 95% LVR with no LMI?
The LMI waiver is available to a wide range of AHPRA-registered professionals. This typically includes General Practitioners, Medical Specialists, Surgeons, Dentists, Optometrists, Pharmacists, and Veterinarians. Even if you are currently a medical resident or registrar, depending on your income trajectory, we have access to lenders who will extend these exact same premium waivers to you.
A large part of my income comes from overtime, shift penalties, or locum work. Will banks accept this?
If you go to a standard branch, their automated systems will often penalise or heavily "shade" irregular income. However, because we specialise in medical lending, we know exactly which lenders will accept 100% of your hospital overtime, Medicare billings, private practice dividends, and locum contracts to accurately reflect your true borrowing capacity.
I have a significant HECS/HELP debt from my medical training. Will this ruin my borrowing capacity?
It is incredibly common for our clients to have large student debts, but it shouldn't lock you out of the premium property market. Standard lenders use harsh calculators that heavily reduce what you can borrow based on HECS debt. As an ex-banker, Ronil actively selects lenders with the most generous servicing calculators specifically designed for medical professionals, minimising the impact of your student debt.
How does a Doctor Mortgage Loan provide more borrowing power than a standard loan?
specialised Doctor Mortgage Loan is designed around the high-earning potential of medicos. While standard banks might "shade" your overtime or locum income, these specific loan structures allow for 100% of your total medical income to be considered, often alongside an LMI waiver up to 95% LVR.
Are Medical Professional Home Loans only for General Practitioners?
No. Our Medical Professional Home Loans are available to a broad range of AHPRA-registered specialists, including Surgeons, Dentists, Veterinarians, and Optometrists. We ensure your specific profession's income nuances are matched with the right lender policy.
