Physiotherapists are among a select group of allied health professionals who qualify for lenders' Medical Professional (Medico) Package — giving you access to LMI waivers and preferential lending that most Australians never see. Lend & Loan knows exactly which lenders extend these benefits to physios, and how to get you approved.
📅 Book Free ConsultationLender classification: Group 2 — Physiotherapist
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 physiotherapists $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 physiotherapists, it's waived entirely — because lenders recognise the stability and earning trajectory of registered healthcare professionals.
Not all brokers know how to correctly present physiotherapist 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 physiotherapist income structure.
We handle all paperwork, lender communication, approval, and settlement — so you can focus on your patients.
Not all lenders extend Medico Package benefits to Group 2 professions like physios. We know exactly which of our 50+ lenders do — and we'll match you to the right one.
No — practice ownership doesn't affect your AHPRA registration status, which is the key eligibility criteria. We specialise in assessing self-employed physio income.
With LMI waived and up to 90-95% LVR available, physiotherapists can significantly extend their purchasing power. Most physios with stable AHPRA registration can access borrowing capacity of 5–7× annual income.
Generalist or Specialist registration with AHPRA is required. Provisional or non-practising registration generally does not qualify, though temporary non-practising (e.g. parental leave) may be assessed.
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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