Medico Policy
Specialist lending policy for medical and allied health — LMI waiver, HECS exclusion, future income.
What is Medico Policy?
Medico policy is a specialist lending framework available through specific lenders for medical and allied health professionals. Typical benefits include: 90% LVR with no LMI, HECS excluded from serviceability, future income acceptance for registrars, and preferential treatment of locum and contracted work.
Why it matters for you
On a typical purchase, medico policy can save $15K–$45K in LMI, lift borrowing capacity by $150K–$300K (HECS exclusion and future income), and unlock investment lending that would otherwise be off-limits. Not every lender offers it, and policy details differ — matching you to the right one is what we do.