Medico home loans in Adelaide

Not necessarily. Most lenders’ standard policy for self-employed or ABN income does ask for two years of tax returns before they’ll use it to assess your borrowing power. But several lenders carry a specific exception for AHPRA-registered medical and allied health professionals: if you’re registered with AHPRA and now invoicing through your own ABN or company structure, some of these lenders will assess your income from as little as three to six months of trading, rather than the usual two years. This is a lender-specific policy, not a universal rule, and the exact minimum, the documents required (such as recent invoices, a signed employment or services agreement, or an accountant’s letter), and how income is calculated during that ramp-up period all vary by lender. It’s worth having your specific situation checked rather than assuming you’re excluded because you’re newly self-employed. See Pepper Money’s low doc home loan guide for an example of how one lender treats recent ABN activity.