Chiropractors registered with AHPRA are recognised under select lenders' Medical Professional Package — meaning you could access home loans with LMI waived, higher LVR, and preferential income assessment. Most chiropractors don't even know this exists. Lend & Loan does, and we'll make sure you benefit.
📅 Book Free ConsultationLender classification: Group 2 — Chiropractor
Registration must be verified on the AHPRA website (or relevant veterinary board for vets). Eligible registration types: Generalist Registration or Specialist Registration.
Provisional, Limited, and Non-practising registrations are generally not eligible — though temporary non-practising (e.g. parental leave) may be assessed by Credit Assessment.
Select Australian lenders offer a Medical Professional Package — also called the Medico Package — to registered healthcare practitioners. The core benefit is a waiver of Lenders Mortgage Insurance (LMI) on loans up to 95% LVR, saving eligible chiropractors $10,000–$30,000 upfront.
LMI is normally required when you borrow more than 80% of a property's value. For most Australians, this means an additional cost of tens of thousands of dollars. For eligible chiropractors, it's waived entirely — because lenders recognise the stability and earning trajectory of registered healthcare professionals.
Not all brokers know how to correctly present chiropractor income. We do. We regularly work with all income structures including:
We verify your registration status and confirm your eligibility for the Medico Package across our lender panel.
We review your full income picture — PAYG, billings, practice distributions, locum work — and calculate your true borrowing capacity.
We compare 50+ lenders to find the competitive rate and policy for your specific chiropractor income structure.
We handle all paperwork, lender communication, approval, and settlement — so you can focus on your patients.
Exactly right. Only specific lenders include Group 2 professions like chiropractors. With 50+ lenders on our panel, we know exactly who they are and which has the competitive rates for your situation.
Not for us. Self-employed chiropractors are a specialty. We correctly document your business income and present it to the lenders most familiar with allied health business structures.
In most cases yes — AHPRA registration is the key criteria, not years in practice. We'll confirm your eligibility in a free initial consultation.
Medical professional lending policies often extend to investment property. We can structure both your home and investment lending in one conversation.
Book a free consultation with John Pierre Saliba. We'll confirm your LMI waiver eligibility, assess your full income, and compare 50+ lenders to find your competitive rate at no cost to you, ever.
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