Which allied health roles may be recognised
Some selected lenders include AHPRA-registered allied health roles in professional or medical LMI policies. Eligibility depends on occupation, lender list, registration, income and loan purpose.
← Medical & health professionals
Home loans for allied health professionals.
Specialist home loan guidance for allied health professionals who want clear options for buying, refinancing or investing. Subject to assessment and current lender policy.
Who this is for
Built for allied health professionals like you.
- Physiotherapists, chiropractors and osteopaths
- Psychologists and counsellors
- Occupational therapists and speech pathologists
- Optometrists and audiologists
- Podiatrists, radiographers and sonographers
- Allied health practice owners and partners
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
No LMI options through selected lenders
Eligible allied health professionals may borrow at higher LVRs without LMI through selected lender programs. Subject to policy.
Employed vs contractor income
We choose lenders that read both PAYG and ABN income correctly rather than discounting one heavily.
Refinancing and investment lending
Allied health professionals often build property portfolios early. Lender choice matters across the whole portfolio.
Common challenges
Where this profession often hits friction.
New practice owners
Recent practice purchases can suppress serviceability on paper. Lender choice and add-backs make a material difference.
Mixed PAYG and contractor income
Many allied health professionals hold both. Packaging them together needs a lender that understands both sides.
Inconsistent policy between lenders
Recognition varies more between lenders than for doctors. A policy check before lodging is essential.
How we help
Strategy first. Loan second.
Our process is the same for every client - understand the situation, model it against selected lenders, then recommend a path. No pressure, no surprises.
- 01Confirm whether your profession qualifies for medical or allied health policy with our lenders.
- 02Map employed, contractor and practice income.
- 03Coordinate with your accountant on practice debt and structures.
- 04Model borrowing capacity across multiple lender scenarios.
- 05Annual loan review for as long as you're a client.
Documents to have ready
Make the first conversation faster.
- AHPRA registration or industry body evidence
- Recent payslips
- Employment contract
- Tax returns if contractor or self employed
- Business financials if practice owner
- Current loan statements
FAQs
Common questions.
Which allied health professions may qualify?+
Some AHPRA-registered allied health roles - such as physios, psychologists, OTs, optometrists and chiropractors - may qualify with selected lenders. Eligibility depends on occupation, lender list, registration, income and loan purpose. We check before lodging.
Can contractors qualify?+
Yes. Contractor income with steady history is acceptable with the right lender.
Can self employed allied health workers get approved?+
Yes. Self employed structures are acceptable with two years of consistent business performance and the right lender.
Can I use no LMI lending for investment property?+
Many medical or professional LMI policies extend to investment lending, subject to LVR caps and lender criteria.
What documents do allied health professionals need?+
AHPRA registration, recent payslips, contracts, tax returns if self employed or contracting, and current loan statements.
Want to know what you may qualify for?
Send us a few details and we will check your options with current lender policy.
Every lender has different rules. Your eligibility depends on your income, deposit, credit history, property type, location, existing debts and the lender policy at the time of application.
This information is general only and does not consider your personal situation. Lending options, LMI waivers, interest rates, loan amounts and approval requirements vary by lender and can change at any time. We will check your circumstances against current lender policy before making any recommendation.