As a GP, you've spent years building your clinical expertise and earning capacity. Your mortgage should reward that. Lend & Loan specialises in home loans for general practitioners — giving you access to LMI waivers, higher borrowing limits, and lenders who truly understand how GP income works.
📅 Book Free ConsultationLender classification: Group 1 — Medical Practitioner
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 gps & general practitioners $15,000–$40,000 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 gps & general practitioners, it's waived entirely — because lenders recognise the stability and earning trajectory of registered healthcare professionals.
Not all brokers know how to correctly present general practitioner 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 best rate and policy for your specific general practitioner income structure.
We handle all paperwork, lender communication, approval, and settlement — so you can focus on your patients.
Eligibility requires AHPRA registration as a Medical Practitioner (GP) with Generalist or Specialist registration. Provisional or non-practising registration typically does not qualify — though temporary absence (e.g. parental leave) may be assessed case by case.
Yes. We specialise in presenting complex GP income transitions. Lenders assess your AHPRA registration, career trajectory, and overall income picture — not just the last 2 years of tax returns.
Most medical-specialist lenders assess GPs at 6–8× annual income. With LMI waived and up to 90-95% LVR available, GPs can often borrow significantly more than a standard borrower.
Yes. Medical professional lending policies often extend to investment loans. We'll compare lenders to find the best structure for your specific situation.
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 best rate — at no cost to you, ever.
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