5.29
%
p.a.
Interest rate *
LMI waivers up to 90% LVR for AHPRA-registered pharmacists plus the specialist pharmacy-purchase finance expertise that most brokers don’t have.
Pharmacists are AHPRA-registered and accepted under medico programs at most major lenders, with LMI waivers up to 90% LVR and premium interest rates. But the real It’s Medical advantage for pharmacists is on the business side: pharmacy purchase is one of the most specialised lending segments in Australia. Pharmacy ownership rules (the Pharmacy Board’s restrictions on ownership and partnership), goodwill valuation, prescription volume assessment and Pharmacy Guild member finance are all areas where generalist brokers struggle. We work across both your home and your pharmacy.
* 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.
Pharmacist in dispensary or behind counter — modern community pharmacy setting
Lender policies, LMI waiver caps and income assessment vary by the kind of doctor you are. Pick your situation:
Through medical-pro programs at BOQ Specialist, Macquarie, NAB and others. Borrow up to 90% of property value with no LMI.
Medico pricing tiers 0.1–0.3% below standard owner-occupier rates.
Specialist lending for pharmacy purchase, buy-in, partnership and goodwill including Pharmacy Guild member programs.
Restructure existing pharmacy debt or release equity for second-store acquisition.
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.
Salaried hours, partnership distributions, pharmacy profit (if owner), locum dispensing.
The two often work best with different lenders.
Continue your work as normal as we do the heavy lifting to make your finance as simple as possible.
Enjoy your new home, investment, or pharmacy!
Every loan product an Australian pharmacist is likely to need, under one specialist team.
90% LVR, no LMI through medical-pro program.
Pharmacy purchase finance + home loan refinance — structured to optimise tax position and asset protection.
Equity release from primary pharmacy + new acquisition loan — multi-site portfolio scaling.
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 pharmacists qualify under medical-pro programs at BOQ Specialist, Macquarie, NAB and several others, typically with LMI waivers up to 90% LVR. Not all lenders include pharmacists in their top-tier medical programs, so the lender choice matters.
Yes — pharmacy purchase is one of our most specialised areas. We arrange purchase finance, partnership buy-ins, goodwill loans and combined home + pharmacy structures. The Pharmacy Board’s ownership restrictions make this lending unusual, and the right broker matters.
No — but Pharmacy Guild members do have access to some bespoke lender programs that may improve your terms. We compare both Guild and non-Guild lender pathways.
Yes — if you own a pharmacy (in whole or part), profit distributions and partnership income can be credited toward home loan capacity. The lender we choose affects how much.
Yes — locum pharmacist income is treated similarly to other locum medical income. The right specialist lender credits consistent locum work at full value.
Yes — and we often do. Refinancing both at once can release equity, optimise rates and simplify your overall financial structure.