5.29
%
p.a.
Interest rate *
Anaesthetists, radiologists, physicians, psychiatrists, and other AHPRA-registered specialists are at the top tier of lender medico programs.
That means the same access to LMI waivers, premium rates, and enhanced borrowing capacity. The difference is in income assessment: specialists more often work across multiple settings — public hospital, private rooms, locum work, trust distributions — and getting it all credited properly is where most brokers come up short.
* 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.
Specialist in consult room — diagnostic equipment, modern setting
Most specialists sit in the top medical-pro tier alongside surgeons, with the highest LMI waiver caps available.
Public salary + private practice billings + trust distributions — fully assessed in combination by the right lender.
Typically $2–4m+ depending on specialty and earnings. We know which lenders go highest.
0.2–0.3% below market rates through specialist medical-pro programs.
Four steps from intro to settlement
Salaried, billings, trust, partnership, investment — and choose lenders that credit them all.
Subtle policy differences between anaesthetists, radiologists, physicians and psychiatrists matter — we know them.
Application, paperwork, lender negotiation, valuations
Enjoy your new investment, home, or practice.
Every loan product an Australian specialist is likely to need, under one specialist team.
All income sources credited, borrowed at full capacity vs. the 25% a Big 4 lender had initially quoted.
Combined loan structure across home + investment, with refinance of an existing facility into a more flexible product.
Released equity for a second consulting site, structured to keep personal and practice borrowings separate.
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.
AHPRA registration is the key. Anaesthetists, radiologists, physicians, psychiatrists, dermatologists, cardiologists, ophthalmologists, paediatricians, pathologists, ENTs, intensivists and more all typically qualify under the same top-tier medical-pro programs.
Some lenders credit at face value; others require 2+ years of consistent distributions; others discount significantly. We match you to lenders that work for your income pattern, not against it.
Yes — with the right lender. Some lenders only credit one income source; others combine. We make sure the lender we choose recognises your full income.
No. Salaried specialists in public hospitals qualify on the same basis as private specialists.
Yes — they generally fall under the same medical/dental-pro programs as medical specialists. (Our /dentists/ page has the dental-specific detail.)
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