5.29
%
p.a.
Interest rate *
Home loans, investment, refinance, business and asset finance for physios, psychologists, vets, optometrists and paramedics.
Allied health is the most varied segment in medical lending and the most under-served. Lender policies vary dramatically by your specific profession, but the experts at It’s Medical know which lenders will treat you best while structuring your file to maximise capacity and minimise your deposit. Whether it’s LMI waivers or essential-worker pathways we keep finance simple.
* Comparison rate based on a $150,000 loan over 25 years. Fees may apply. Actual rates may vary with different terms, fees, or loan amounts.
* Rates shown are indicative only and subject to change without notice. Final rates will depend on the lender’s assessment of your individual circumstances, including your credit profile and loan purpose.
Allied health professional in a clinical setting — physio with patient, or psych in consult room
Lender treatment varies sharply between physios, psychologists, vets, optometrists and paramedics. Pick your profession:
AHPRA-registered, accepted under most medical-pro lender programs. LMI waivers up to 90% LVR.
AHPRA-registered. Same medical-pro program access as physios, with structures suited to mixed income.
Not AHPRA-registered. We know the specific lenders who include vets in their medical programs.
AHPRA-registered. Medical-pro access via select lenders, with strong eligibility for practice-owner optometrists.
Essential worker LMI waiver pathway, plus shift-income assessment that recognises penalty rates and allowances.
From your first home as a clinician to your practice purchase as an owner, we structure finance around the realities of allied health careers: AHPRA registration, shift work, private practice income, ABN contracting etc.
Your profession, your income mix, where you’re going etc.
Across 40+ lenders, many of whom have programs you’ve never been told about.
Application, supporting docs, lender negotiation, valuations.
And get back to your patients.
Every loan product an Australian doctor is likely to need, under one specialist team.
LMI waivers up to 100% LVR for AHPRA-registered doctors. First home, upgrader or refinance.
Build a property portfolio with structures suited to high-income, irregular-billing doctors
Move to a lender that actually credits medical income, locum work or trust distributions
Practice buy-ins, fit-outs, equipment, vehicles, and expansion finance for medical professionals.
Book a 15-minute call and we’ll point you in the right direction — no obligation, no jargon.
Most lenders include AHPRA-registered physios, psychologists, occupational therapists, podiatrists, speech pathologists, dietitians, chiropractors, osteopaths and optometrists. Vets sit outside AHPRA but are included by some lenders. Paramedics typically access different (essential-worker) waiver pathways.
Generally no — allied health LMI waiver caps are typically 85–90% LVR, vs 95–100% for doctors. Still significantly better than standard, but worth knowing the ceiling.
Yes, with the right lender. Some lenders only credit PAYG; others combine salary + private practice income at full or near-full value. We match you to lenders that work for your income pattern.
Yes. Some lenders are much more comfortable with contractor and ABN income than others. The specific lender we choose affects how much of your income is credited.
To buy into or buy out a practice, generally yes. But equipment finance (clinic furniture, diagnostic equipment, vehicles) is available to allied health pros whether you own a practice or work in one.