Registrar
Last reviewed 13 June 2026 by Nick Lim, finance broker (FBAA).
Registrar is a doctor in advanced specialty training, working under supervision while completing the qualifications to become a specialist. Even though a registrar's income is lower than a consultant's, registered registrars usually qualify for the same medico home-loan concessions, including high LVR lending with LMI waived, because lenders bank on their strong future earnings. It is a step on the path from AHPRA registration to fellowship.
Why Registrar Matters
Registrars earn less than consultants but lenders treat them generously, betting on the income that specialty training leads to.
- A doctor in advanced specialty training
- Lower income than a consultant
- Still accesses high LVR medico lending
- LMI often waived despite the lower income
- A stage between registration and fellowship
Common Features of Registrar
- Supervised specialty training role
- Working toward college fellowship
- Eligible for medico lending concessions
- Strong projected future income
- Registered with AHPRA
Official reference: ahpra.gov.au
What is a registrar?
A doctor in advanced specialty training, working under supervision toward becoming a specialist.
Can a registrar get a doctor home loan?
Yes, registrars usually qualify for medico terms, including high LVR lending with LMI waived.
Why do lenders favour registrars?
Because their future earnings as specialists are strong and reliable, even if current income is modest.
Registrar vs fellow?
A registrar is in training; a fellow has completed it and holds specialist qualifications.
Does a registrar need AHPRA registration for these loans?
Yes, current AHPRA registration is required for medico lending terms.