Veterinarians are uniquely included in select lenders' Medical Professional Package — meaning eligible vets can access LMI-waived home loans up to 90-95% LVR. This is one of the most underutilised lending benefits in Australia. Lend & Loan helps Sydney vets access what they're entitled to.
📅 Book Free ConsultationLender classification: Group 2 — Vet (registration verified via relevant veterinary board)
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 vets & veterinarians $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 vets & veterinarians, it's waived entirely — because lenders recognise the stability and earning trajectory of registered healthcare professionals.
Not all brokers know how to correctly present veterinarian 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 veterinarian income structure.
We handle all paperwork, lender communication, approval, and settlement — so you can focus on your patients.
Unlike most medical professions, vets are not registered through AHPRA but via relevant state or national veterinary boards (e.g. VetBoard NSW). Lenders require proof of current registration through the appropriate board.
Yes — your registration status matters, not your location or practice type. We can assist vets across Sydney and surrounding areas.
In many cases, yes. We'll check which lenders in our panel extend vet-specific policies to investment lending and find the best fit.
Unfortunately not. The Medico Package is specifically for registered veterinarians. Vet nurses and technicians do not qualify under current lender policies.
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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