5.29
%
p.a.
Interest rate *
LMI waivers up to 90% LVR and enhanced borrowing capacity for AHPRA-registered physiotherapists.
Physiotherapists are well-recognised by Australia’s major medical-pro lender programs, but the offers vary widely, and most physios are quoted standard owner-occupier terms because they didn’t know any better. Whether you’re a hospital physio, a clinic owner, a sports physio, or working across multiple practices, you qualify for LMI waivers, enhanced borrowing capacity and premium rates. Our team of experts pair you with the right lender.
* 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.
Physio with patient, clinical/treatment-room setting
Lender policies, LMI waiver caps and income assessment vary by the kind of doctor you are. Select your goal:
Borrow up to 90% of property value without paying Lenders Mortgage Insurance through select medical-pro lenders.
Many lenders credit private practice income alongside salaried hours, lifting your assessed capacity.
Medico pricing tiers usually 0.1–0.2% below standard rates.
From your first home as an intern to your practice purchase as a partner, we structure finance around the realities of medical careers: irregular billing, AHPRA registration, locum income, partnership distributions and all.
Salary, private billings, clinic ownership distributions, contractor work.
Not every lender treats physio income equally. The right pick can mean $100K+ extra capacity.
Relax, go to work, and take care of your patients. We will keep your finance simple.
Enjoy your new home, investment, or continue building your business knowing you have the right team and structure behind you.
Every loan product an Australian physio 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.
Yes — most major medical-pro lender programs include AHPRA-registered physiotherapists, typically with LMI waivers up to 90% LVR. A few lenders extend to 95% with additional eligibility criteria.
No. Both salaried physios and clinic-owner physios qualify under the same medical-pro programs. Practice owners may borrow more due to higher income but the underlying eligibility is the same.
Yes — with the right lender. We match you to lenders that credit both salaried and ABN-based physio income.
Some lenders treat this as ‘self-employed’ and want 2 years of tax returns; others accept the contracting pattern as continuing employment. The right lender choice matters.
Yes — we arrange business and equipment finance for physio practice purchase, fit-out, equipment and expansion. See our /loans/business-lending/ page.