Medico Lending Specialists

At Fortify Loans we specialise in Professional Loans for frontline health and medical professionals.

Finance Solutions for Tasmania’s Health and Medical Professionals

We specialise in helping busy professionals across Tasmania access competitive home loans, investment finance, and tailored lending options, backed by personalised service and local expertise.

Get Started Here

Fill out the form for advice on buying your first home, or if you already own property, receive a free property report.

  • Discounted Interest Rates
  • LMI Fee Waiver
  • Larger Loans & Smaller Deposits
  • Better, Faster, Tailored Service
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What are you interested in?

Add your details so we can send you a complimentary property report plus details on discounted refinance rates, unlocking equity and zero LMI loans.

Add your details so we can send you a complimentary brochure on how to borrow up to 100% of the property value and access discounted rates with zero LMI.

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Fortify Loans offers tailored finance solutions for doctors, nurses, and allied health professionals across Australia.
With access to over thirty lenders, we’ll help you select a loan that best suits your unique situation, coordinating your application from start to finish with a dedicated specialist with you every step of the way.​
  • Discounted Interest Rates
  • LMI Fee Waiver
  • Larger Loans & Smaller Deposits
  • Better, Faster, Tailored Service
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Don’t quite have 20% deposit saved for your home loan?

If you’re a registered doctor, nurse, midwife or other medical professional earning at least $90k a year, you may qualify for a healthcare professional loan with a low deposit of only 5-10%.
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You could save thousands when your LMI is waived.

Our lenders are offering to waive Lenders Mortgage Insurance on home loans for Registered midwives, nurses or medical professionals. That's a $15,674 saving on a $630k loan.
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Get exclusive access to discounted interest rates

Borrowing over $250,000? You may qualify for a professional package, which could mean further discounts are available to the standard variable rate or fixed rate on your loan.

Not sure where to start?

Why not try out one of our many free calculators to get an idea on what you can borrow and more.

Borrowing power Calculator

I want to calculate how much I can borrow

Suss out your borrowing capacity so you can start planning that purchase.
Stamp duty Calculator

I want to calculate the stamp duty I will have to pay

Estimate how much stamp duty you could have to pay so you can make your dream home a reality
DON’T JUST TAKE IT FROM US

Things people say about us

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Kim Woulleman profile picture
Kim Woulleman
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Riley May at Fortify is fantastic. He made the whole process of refinancing so simple for us. His friendly nature and an abundance of patience when it came to my many questions was amazing. Thanks Riley 😊
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Tegan Hailey profile picture
Tegan Hailey
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I couldn’t be happier with the service we received from Kaya at Fortify Loans. From the very beginning, he was professional, knowledgeable, and incredibly responsive. We were working against a tight deadline to have everything finalised before the end of the financial year, and he went above and beyond to make it happen. I highly recommend his services. Thanks again for making it happen!
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brit jenkins profile picture
brit jenkins
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We recently worked with our financial adviser Cam to refinance an existing commercial loan and structure it alongside our new investment loan. The advice and support throughout the process were outstanding.
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Linc Reynolds profile picture
Linc Reynolds
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I was recommended Cam Brumby by a mutual friend, and it is genuinely hard to put into words just how good he was throughout the entire process. Cam helped navigate tricky visa issues, lender complications and guarantor requirements, all on very short notice. That saga alone would have been enough for a five star review. On top of that, I unknowingly brought an incredibly difficult ( putting it lightly ) conveyancer into the process which made the final few weeks before settlement far more stressful than they needed to be. Cam was forced to deal with problems that really were not necessary nor part of his job description and handled it with complete professionalism, patience and persistence. He went above and beyond effectively guiding the process through to the very end when I was completely lost and unsure what to do ( along with my conveyancer…) I can honestly say I would not have ended up with our house if it were not for Cam’s help. He was also incredibly responsive and upbeat throughout everything. Over Easter, weekends and while he was away. I must have emailed him what felt like a thousand times and he always got back to me quickly and calmly. Writing this review doesn’t do justice to just how helpful, approachable and reassuring he was. I hope whoever reads this has a smoother case than mine but if your situation is difficult or complicated I can guarantee you will be in the best possible hands with Cam. I cannot recommend him highly enough.
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Hayden Miller profile picture
Hayden Miller
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Can’t rate Riley highly enough, always more than happy to help! He is knowledgeable and reliable, wouldn’t go past his services!
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jake vincent profile picture
jake vincent
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Kaya was awesome to work with. He provided real time updates and every question we had he supported us through. The loan we required was somewhat complex but Kaya did a great job of keeping us informed and clearly explaining our options.
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Sidney Vincent profile picture
Sidney Vincent
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We recently refinanced through Kaya and honestly couldn’t recommend him more highly. He made the entire process feel incredibly easy and stress-free — definitely the smoothest refinancing experience we’ve ever had. He was professional, friendly, laid-back, and kept us updated regularly throughout the whole process so we always knew what was happening. Nothing ever felt too hard and he was always happy to answer questions. Such a genuinely nice guy and someone we’d happily recommend to anyone looking for a mortgage broker!
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Jordan Cooke profile picture
Jordan Cooke
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Kaya Geale from Fortify Loans was amazing throughout the entire process of buying our first home. Great communication went above and beyond to contact us, real-estate agents and conveyancers whenever required! Gave us great information and ideas that best fit our position! Thanks again, will definitely recommend to anyone looking for a loan to here!
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misssstars
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We cannot recommend Kaya highly enough! Kaya has been our broker since we purchased our first home three years ago, and from day one he has gone above and beyond for us. Even after settlement, he continued checking in every six months to see how we were going, knowing our long-term goal was to purchase an investment property. That level of genuine care and ongoing support is something you rarely find. Most recently, Kaya helped us refinance and secured us an unbelievable interest rate that we honestly didn’t think was possible. We are now in the planning stages of purchasing an investment property in the next 12 months, and we wouldn’t trust anyone else to guide us through that process. No question was ever too silly, and Kaya always took the time to explain everything clearly in a way we could understand, making what can be a very overwhelming process feel simple and stress-free. He even went the extra mile to assist us in finding a great insurance company for our home insurance — proof that he genuinely cares about helping his clients beyond just the mortgage side of things. If you are looking for a broker who is knowledgeable, responsive, patient, and truly invested in helping you achieve your financial goals, Kaya is your guy. Highly, highly recommend!
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Victoria Ling profile picture
Victoria Ling
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Kaya was fantastic to work with throughout the whole process. He was incredibly honest with his recommendations when it came to different banks, which made it much easier to feel confident in the decisions I was making. He was also very prompt in getting back to me whenever I had questions, which I really appreciated. What stood out most was how well he explained everything—he broke down complex concepts in a clear and simple way, helping me understand my options and make informed choices. On top of that, he has great contacts and was able to connect me with the right people for other aspects of purchasing a property. I’d highly recommend Kaya to anyone looking for a reliable, knowledgeable, and supportive broker.

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FAQs

Lenders Mortgage Insurance (LMI) is a fee you may have to pay when purchasing, refinancing or building and you are borrowing more than 80% of a property's value.

We work with a wide range of health and medical professionals across Tasmania, including GPs, specialists, surgeons, nurses, dentists, pharmacists, allied health workers, and more. If you hold a recognised qualification and work in the healthcare sector, we can likely assist.

Many lenders offer exclusive loan products with reduced interest rates, waived LMI (Lenders Mortgage Insurance), and other benefits specifically for medical professionals. We help you access these offers and negotiate the best deal based on your unique circumstances.

Here’s how much you save on LMI fees:
Property Value Loan Amount LVR LMI Premium Saved*
$700,000$630,00090%$15,674
$800,000$720,00090%$17,913
$900,000$810,00090%$20,152
$1 million$900,00090%$22,392

*Results are based on a new purchase of a home as a primary place of residence in the state of New South Wales.

If you're buying a home, you'll need to have at least 5% of the purchase price of the house as a deposit.This means that for a $400,000 purchase, you'll need a deposit of at least $20,000.Aside from that, you may need an additional 5% of the purchase price to cover your purchasing costs. These mainly include government fees such as stamp duty and other costs like conveyancing fees and LMI.

This will depend on your unique situation but generally speaking as a nurse, midwife or medical professional you could be able to borrow up to 90% of the property value. You can work our your borrowing power using our calculator or fill in the form on this page and we will work it out for you PLUS provide you with a number of lenders who could service your loan.Another important note is that as a essential services worker, so some lenders will accept 100% of your overtime income. We can discuss how to use this to boost your borrowing power.

IMPORTANT INFO

Fortify Loans Pty Ltd (ABN 51679738786 and Credit Representative Number 546469) is authorised under Australian Credit Licence 384324.
*Individual lenders may charge fees to the customer.

This website provides general information only. Our content does not constitute legal, tax or financial advice and has been prepared without taking into account your objectives, financial situation or needs. You should always consider whether any loan or financial decision is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product.

All applications are subject to lender assessment and approval. Cashback offers may be provided by some lenders and may only be available for particular products, terms and conditions apply.

Any information provided does not constitute an offer of credit and are examples of what may be available to you based on the information available. It does not take into account any product features or any applicable fees. Lending criteria and the basis upon which we assess what you may be able to afford may change at any time without notice. For Fixed Rate home loans, break costs may be payable which can be significant if you change the whole or part of your fixed rate loan or where additional or early repayments are made during the fixed rate period.

ACKNOWLEDGEMENT OF COUNTRY

In the spirit of reconciliation, we acknowledge the Traditional Custodians of country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples today.