5.29
%
p.a.
Interest rate *
LMI waivers up to 90% LVR for AHPRA-registered optometrists, whether you’re in a retail chain or running your own practice.
AHPRA-registered optometrists are included in most major medical-pro lender programs, but the offers vary significantly between salaried optometrists working in chains (Specsavers, OPSM, etc.) and practice-owner optometrists running independent clinics. We know which lenders are most accommodating for each, and which adjust assessment for franchise income and royalty structures.
* Comparison rate based on a $150,000 loan over 25 years. Fees may apply. Actual rates may vary with different terms, fees, or loan amounts.
* Rates shown are indicative only and subject to change without notice. Final rates will depend on the lender’s assessment of your individual circumstances, including your credit profile and loan purpose.
Optometrist examining patient — modern equipment, clinical setting
Lender policies, LMI waiver caps and income assessment vary by the kind of doctor you are. Pick your situation
Most major medical-pro lender programs include AHPRA-registered optometrists.
Whether you work in a chain, an independent practice or both, the right lender credits your full earnings.
Buying into a franchise (Specsavers partnership, OPSM, etc.) or buying an independent practice — we arrange both.
From your first home as an intern to your practice purchase as a partner, we structure finance around the realities of medical careers: irregular billing, AHPRA registration, locum income, partnership distributions and all.
No matter whether you work in a chain or own your own practice, we ensure the lender knows your full earnings.
That recognises chain vs independent practice income.
To ensure that borrowing capacity is maximised while the deposit remains low.
Enjoy your new practice, equipment, or home and get back to your patients stress-free.
Every loan product an Australian optometrist is likely to need, under one specialist team.
90% LVR, no LMI through medical-pro lender program.
Combined home loan and partnership buy-in finance, structured for tax efficiency.
Released equity for second site expansion.
Every loan product an Australian doctor is likely to need — under one specialist team.
LMI waivers up to 100% LVR for AHPRA-registered doctors. First home, upgrader or refinance.
Build a property portfolio with structures suited to high-income, irregular-billing doctors
Move to a lender that actually credits medical income, locum work or trust distributions
Practice buy-ins, fit-outs, equipment, vehicles, and expansion finance for medical professionals.
Book a 15-minute call and we’ll point you in the right direction — no obligation, no jargon.
Yes — AHPRA-registered optometrists are included in most major medical-pro lender programs, typically with LMI waivers up to 90% LVR.
Both qualify under medical-pro programs. Lenders may assess income differently (PAYG salary vs partnership distributions vs practice profit), but eligibility for the LMI waiver is the same.
Yes — we arrange partnership buy-in finance, often combined with a home loan if the timing aligns.
Yes, with the right lender. Locum optometry income follows similar treatment to other allied health locum work — the specific lender matters.
Yes — asset finance for OCTs, slit lamps, perimeters, autorefractors etc. is available. See our /loans/asset-lending/ page.