As a Physiotherapist, you can gain access to exclusive benefits often beyond standard lending options. Connect with one of our home loan experts to review your borrowing capacity and explore opportunities for Lenders Mortgage Insurance (LMI) waiver/reductions.
As a Physiotherapist, when you work with our Mortgage Brokers you gain access to the following advantages:
Work out how much you can borrow based on your income and expenses
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Fill out some basic details in our simple online form.
Discuss your outlines and objectives with a Home Lending Specialist
Run through the products you are eligible for. Compare and contrast what suits you best.
Once satisfied with the approval after your Home Loan review, sign your documents online with our simplified process.
Your current loan will be paid out, and your new loan will commence.
Fill out some basic details in our simple online form.
Discuss your outlines and objectives with a Home Lending Specialist
Run through the products you are eligible for. Compare and contrast what suits you best.
Once satisfied with the approval after your Home Loan review, sign your documents online with our simplified process.
Your current loan will be paid out, and your new loan will commence.
Fill out some basic details in our simple online form.
Discuss your outlines and objectives with a Home Lending Specialist
Run through the products you are eligible for. Compare and contrast what suits you best.
Once satisfied with the approval after your Home Loan review, sign your documents online with our simplified process.
Your current loan will be paid out, and your new loan will commence.
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Healthcare home loans (sometimes called “medico” or “allied health” home loans) are specialised mortgage loans designed for medical and allied health professionals like physiotherapists. These often come with significant advantages such as waived Lenders Mortgage Insurance (LMI) for lower deposits, discounted interest rates, and more flexible income assessment, recognising your stable employment and reliable income.
Often, no! This is one of the most significant benefits. While standard borrowers typically pay LMI if their deposit is less than 20%, many lenders offer LMI waivers specifically for eligible physiotherapists. This can allow you to borrow up to 90% LVR (meaning a 10% deposit) without paying LMI, potentially saving you tens of thousands of dollars. Some specific lenders may even offer 95% LVR with no LMI.
Thanks to LMI waivers/reductions, you can frequently secure a home loan with a deposit as low as 10% of the property’s value. In some cases, with specific lenders, it can even be 5%. You’ll also need to factor in funds for stamp duty and other purchasing costs.
Yes, you can! Lenders understand that many physiotherapists work in private practice or on a contract basis. If you are self-employed (e.g., running your own practice), lenders will typically require two years of tax returns and financial statements to assess your income consistency. If you’re a contractor, they’ll look for a consistent history of contracts.
Often, yes. Beyond the LMI waiver, many lenders offer competitive interest rate discounts to allied health professionals like physiotherapists to attract their business, which can result in lower repayments over the life of your loan.
