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Medical Professionals — Group 1

Exclusive Home Loan Benefits for Pharmacists

As a pharmacist, you're eligible for LMI waivers — but not at every lender. Only select lenders recognise pharmacists, making a broker essential.

Up to 90%

LVR Without LMI

$8K–$36K+

Potential LMI Savings

Multiple

Lender Options

Check My Eligibility — Free See Lender Comparison ↓

How Different Lenders Treat Pharmacists

Not all lenders offer the same benefits. Here's how the major categories compare:

Lender Category	Max LVR (OO)	Investment LVR	Key Conditions
Some Lenders	❌ Not eligible	N/A	Pharmacists are not included in this lender's professional package.
Select Lenders	94.99%	94.99%	Medico Plus+ tier. AHPRA registration required. Up to $12M property.
Certain Lenders	❌ Not eligible	N/A	Pharmacists not listed in professional services categories.
Other Lenders	90%	90%	Group B classification. Minimum $90K income required.

Lender names shown generically. Contact us to find out which lenders match your situation.

Check Your Pharmacist Benefits

Free, no-obligation assessment. Find out exactly what you qualify for.

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Why Choose Finance Hub?

We specialise in professional home loans and know exactly which lenders offer the best terms for your profession

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Profession Specialists

We understand the specific lending policies for pharmacists and match you with the right lender.

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40+ Lender Panel

Access to all major banks and specialist lenders, ensuring you get the best rate and terms.

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$0 Cost to You

Our service is completely free. We get paid by the lender — not by you.

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Ongoing Review

We review your loan every 6-12 months to ensure you're always on the best deal.

Frequently Asked Questions

Common questions about pharmacist home loan benefits

Do all lenders accept pharmacists for LMI waivers? +

No — this is why a broker is essential. Only about half of the major lender categories recognise pharmacists for professional LMI waivers. If you walk into the wrong bank, you'll pay full LMI. A broker knows exactly which lenders include pharmacists.

Is there a minimum income requirement? +

It depends on the lender. Some have no minimum income requirement for pharmacists, while others require a minimum of $90,000 gross annual income from your pharmacy role. Your broker will match you with the best option.

I own a pharmacy — am I still eligible? +

Yes, pharmacy owners are eligible as long as you hold current AHPRA registration. However, as a self-employed pharmacist, your income assessment may require business financials. The LMI waiver benefit still applies.

What LVR can I achieve without LMI? +

Depending on the lender, pharmacists can achieve up to 90%–94.99% LVR without LMI. The highest tier (94.99%) is available at select lenders that include pharmacists in their top-tier medical package.

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As an eligible professional, you could save $8,000–$36,000+ on LMI. Check in 60 seconds — 100% free.

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