GPs
Your billings are strong. The paperwork doesn't always show it.
Service-fee arrangements, fellowship stage and part-time sessions rarely look like a standard payslip. I read the position the way a lender will and show you the working.
You spend your day with a full list of patients. Let me carry the finance.
The challenges
Sound familiar?
If you're employed (PAYG)
- Salaried GP or GP registrar roles
- Base, penalty rates and on-call presented with the right evidence
- Salary packaging explained so real income is visible
If you're self-employed, contracting or an owner
- Service-fee or % of billings arrangements through an ABN
- Company or trust income and valid add-backs
- Practice ownership, goodwill and fit-out
How I read your income
Service-fee income
Billings, the service-fee percentage and net income reconciled so the lender sees recurring income.
Registrar income
Current contract and training stage explained alongside the expected pathway.
Part-time sessions
Sessions averaged and documented so the pattern reads as professional.
Criteria apply and policies change.
What to have ready
Documents usually needed
I don't give tax or structuring advice. I work alongside your accountant or adviser.
Service agreement or employment contract
Recent billing statements or payslips
Tax returns and BAS where self-employed
AHPRA registration and fellowship status
Benefits
What selected lenders may offer
Professional LMI waivers and up to 95% LVR with no LMI at selected lenders for eligible GPs
No minimum ABN history at selected lenders, with other documentation criteria still applying
Practice purchase, goodwill funding and fit-out finance at selected specialist lenders
Eligible professionals at selected lenders only. Criteria apply, policies change, subject to credit approval.
Buying or running a practice? See practice owner financeCommon assumptions
What you've been told, and why it's wrong
| Told | Why it's wrong |
|---|---|
| You can't buy until you're a Fellow. | Selected lenders offer lending to eligible doctors in training. Criteria apply. |
| Service-fee income needs two years of tax returns. | Some lenders consider current billings with a shorter history. Lender criteria apply. |
| Part-time GPs don't qualify for professional benefits. | Eligibility depends on the lender, registration and income thresholds, not part-time status alone. |
FAQ
Questions about this position
General information only. It does not consider your personal circumstances. Eligibility, loan-to-value limits, professions covered and lender policies vary and change. Subject to lender credit approval.
Put the real numbers in front of you.
I'll read the position, show the calculation and explain the trade-offs, no guesswork, no rework.