Medical specialists occupy some of the highest-earning professions in Australia — and yet navigating a home loan with complex specialist income (private billing, VMO fees, procedural allowances) can be surprisingly difficult. Lend & Loan exists precisely for this. We get specialists approved, fast.
📅 Book Free ConsultationLender classification: Group 1 — Specialist (as identified in AHPRA: Profession: Medical Practitioner, Registration Type: Specialist)
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 medical specialists $20,000–$50,000 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 medical specialists, it's waived entirely — because lenders recognise the stability and earning trajectory of registered healthcare professionals.
Not all brokers know how to correctly present medical specialist 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 medical specialist income structure.
We handle all paperwork, lender communication, approval, and settlement — so you can focus on your patients.
Lenders follow AHPRA's definition: Medical Practitioner Registration Type: Specialist. This includes surgeons, cardiologists, anaesthetists, radiologists, psychiatrists, and all recognised medical specialties. We confirm eligibility upfront.
Some lenders extend benefits to advanced registrars or those with a confirmed fellowship offer. We'll identify the right lenders for your stage.
This is one of our specialties. We know exactly how to present and document complex specialist income so lenders assess your full earning capacity.
Yes — commercial property lending for medical practice premises is something we can also assist with. Ask us about combined residential and commercial structuring.
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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