5.29
%
p.a.
Interest rate *
LMI waivers up to 90% LVR for AHPRA-registered psychologists with structures suited to mixed public, private and contracted income.
Psychologists are recognised under most major medico lender programs alongside other allied health professions. The complexity for most psychs isn’t eligibility, it’s income. You might have Medicare Better Access billings, NDIS work, EAP contracts, private clients, and salaried hospital hours all running in parallel. Most brokers will only credit one of those sources. We find the lenders who understand the full, rich picture of your income.
* 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.
Psychologist consult room — modern, soft lighting, professional
Lender policies, LMI waiver caps and income assessment vary by the kind of doctor you are. Pick your goal.
Through medical-pro lender programs for AHPRA-registered psychologists.
Medicare billings + NDIS + private + EAP + salaried hospital, properly combined by the right lender.
If you run your own practice, we work with lenders who credit practice income without 2+ years of BAS.
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.
Providing the full picture of your income speeds up the process
That understands your goals and income, providing you with the best product possible.
Sit back and relax. It’s our job to keep finance simple.
Enjoy your new investment, practice, or home.
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 — most major lenders include AHPRA-registered psychologists in their medical-pro programs, typically with LMI waivers up to 90% LVR.
Some lenders credit it at full value as ‘continuing income’; others classify it as variable and discount. We match you to lenders that work with your specific billing mix.
It varies by lender. Some treat ongoing EAP contracts as employment income (requiring less paperwork); others treat them as self-employed (requiring BAS). The right lender choice can save months of admin.
Yes — we arrange business lending for psychology practice setup, fit-out, equipment and expansion.
Provisional psychologists are generally treated under the same programs as fully-registered psychologists at most lenders, provided AHPRA registration is current.