Waived or Reduced LMI
Some lenders allow eligible physios to borrow up to 90% of a property’s value without LMI, which can save thousands upfront. It is conditional, so we confirm it against current lender policy before you rely on it.
Home Loans For Physiotherapists
HOME LOANS FOR PHYSIOTHERAPISTS · ALLIED HEALTH
Home Loans for Physiotherapists
As an allied health professional, a physiotherapist can often access lending benefits that standard applicants don’t. Some lenders extend medico-style policies to physios — including waived or reduced Lenders Mortgage Insurance (LMI), discounted rates and, at times, cashback or fee waivers — though these are conditional, so eligibility is worth checking rather than assuming.
Ausfirst Lending Group is a Sunshine Coast finance advisory business. We assess options from a panel of more than 40 lenders, work out which allied-health policies you actually qualify for, and present your income — whether you’re employed, casual or self-employed — the way lenders read it.
Whether you’re buying your first home, upgrading, refinancing or building an investment portfolio, the starting point is matching your profession and income to the lender whose policy suits you.
01
LMI Waivers May Apply
Some lenders extend medico-style LMI waivers to eligible physiotherapists.
02
Shift & Casual Income Understood
PAYG, casual, overtime or self-employed — presented the way lenders assess it.
03
One Adviser, Start to Finish
The same person from first chat through to settlement.
ALLIED HEALTH, CONDITIONAL BENEFITS
Physiotherapists Can Access Medico-Style Terms
Lenders often view physiotherapists as lower-risk borrowers — steady demand for the profession and consistent repayment histories — so some extend medico-style benefits like waived LMI and professional pricing. The eligible occupations and the size of the benefit vary more between lenders than they do for doctors, so the value is in checking which policy genuinely applies to you.
What Physiotherapists May Access
Where being an allied health professional can change the deal — subject to lender policy and eligibility:
Discounted Interest Rates
Some lenders offer reduced or professional-package rates to eligible borrowers, which can apply for the life of the loan — a meaningful saving over time.
Cashback Offers
From time to time, lenders run cashback offers when you refinance or take a new loan. Availability and amounts change and depend on the lender and eligibility, so it is worth checking what is current.
Fee Waivers & Flexible Features
Some lenders waive annual package fees on larger loans, and LMI-waived loans usually still include offset accounts, redraw and split options — matched to how you manage your money.
How Lenders Assess a Physio’s Income
Physios earn in a few different ways, and how much of each a lender counts varies. As a general guide:
PAYG
Full-Time or Part-Time
Salaried physios are the simplest to assess — usually 100% of base pay. AHPRA registration and current employment are generally all that’s needed, with no set income threshold and early-career physios often included.
CASUAL
Casual Income
Many lenders count 100% of casual income, typically after three to twelve months in the role. The right lender match matters, since some are far more comfortable with casual work than others.
EXTRAS
Overtime & Allowances
Overtime is often counted at around 80%, and sometimes 100% where it’s consistent. Allowances are typically assessed at about 80%, depending on the type.
SELF-EMPLOYED
Self-Employed & Practice Owners
Most lenders want two years of tax returns, with add-backs applied. For newer ABNs, a low-doc approach can work — see also self-employed home loans.
How It Can Work
A few common situations, as general illustrations only — your outcome depends on the lender and your circumstances:
BUILDING
Funding a Build or Granny Flat
Where a bank says the equity isn’t enough, another lender with a higher construction LVR — and, where eligible, an LMI waiver — may make a build or construction project viable. The right valuation and lender matter.
REFINANCE
Reviewing at Fixed-Rate Expiry
Coming off a fixed rate often means a jump in repayments. Reviewing the market before you roll onto the revert rate can surface a more competitive option, and some lenders run cashback offers, subject to their terms.
PROBATION
Buying While on Probation
Some lenders decline borrowers in a probation period; others will lend where there’s a continuous employment history in the same field. Matching you to the second kind can be the difference between a yes and a no.
Why Physiotherapists Work With Ausfirst
The value is matching the allied-health benefit to the way you actually earn:
We Know Which Lenders Include Physios
Allied-health eligibility varies more than it does for doctors. We keep track of which lenders extend medico-style benefits to physiotherapists, and at what LVR, so you’re not assuming a policy that doesn’t apply.
We Understand How Files Are Assessed
Our team includes former bank staff who know how lenders read casual, overtime and self-employed income — which helps present a physio file so it isn’t undersold.
You Deal With the Same Person
You work directly with Richard Luke, our director, with more than 30 years in Queensland lending — not a call centre.
Clear on Cost
For most home loans our service is provided at no direct cost to you, because the lender pays us a commission on settlement. We explain and disclose any fees before you proceed.
How We Work
A simple, four-step process built around advice before commitment:
An Obligation-Free Conversation
We work out what you can borrow and which allied-health policies you qualify for — no cost, no pressure.
A Tailored Strategy
We assess the panel and recommend the lender whose policy and income rules best fit how you earn.
We Handle the Application
We prepare and submit everything — including your AHPRA and income evidence — and liaise with the lender and solicitor for you.
Settlement — and Beyond
We see it through to settlement and review your loan at six months to check it remains competitive.
START WITH A CONVERSATION
Talk to a Broker Who Knows Allied-Health Lending
You look after your patients — we’ll look after the home loan. Tell us how you earn and what you’re buying, and we’ll show you which benefits you qualify for. A quick, obligation-free chat is the best place to start.
Visit Our Caloundra Office
Prefer to talk in person? We’re based in the heart of Caloundra and happy to sit down with you for an obligation-free chat.
FIND US
Ausfirst Lending Group
Suite 3/74 Bulcock Street
Caloundra QLD 4551
Phone: (07) 3916 7070
Open Monday to Friday, and by appointment.
Last reviewed: July 2026.
What Our Clients Say
HOME LOANS FOR PHYSIOTHERAPISTS
Frequently Asked Questions (FAQs)
With some lenders, yes. As an allied health profession, physiotherapy can attract medico-style benefits — waived or reduced LMI, discounted rates and sometimes cashback — but they are conditional and vary between lenders. We check which genuinely apply to you rather than assume every “physio deal” does.
Sometimes. Some lenders extend medico-style LMI waivers to eligible physiotherapists, in some cases up to 90% of the property value. It is conditional and depends on the lender and your circumstances, so we confirm eligibility rather than assume it applies.
Not necessarily. Where an LMI waiver applies, some lenders let eligible physios borrow up to 90% of the value, so you may need less. If a waiver doesn't apply, low-deposit options, a family guarantee or a first-home scheme can still get you in.
Often, yes. Many lenders count casual income once you have been in the role for a period (usually three to twelve months), and some will lend during a probation period where you have a continuous employment history in the same field. The right lender match is the key.
Self-employed physios and practice owners are assessed on their income — usually two years of tax returns with add-backs, or a low-doc approach for newer ABNs using BAS and bank statements. Presented well, your assessable income is often higher than your taxable figure.
Often, yes. The same allied-health benefits — waived LMI where eligible and professional pricing — can apply when you refinance, not only when you buy. It is worth reviewing your loan periodically to check it remains competitive.
For most home loans, no. Our service is generally provided at no direct cost to you because the lender pays a commission on settlement. We disclose any fees that do apply before you proceed.
What Makes Ausfirst Lending Group Different?
Finding the right home loan as a physiotherapist requires a lending solution that reflects your profession, income, and long-term financial goals. At Ausfirst Lending Group, we take the time to understand your individual circumstances and compare suitable home loan options from our panel of lenders.
Whether you're purchasing your first home, upgrading to a new property, refinancing your current mortgage, or investing in property, we provide personalised guidance throughout every stage of the process. We can also assess whether you may be eligible for professional lending benefits available to eligible physiotherapists, including reduced or waived Lenders Mortgage Insurance (LMI) and other lender-specific offers, where applicable.
Our goal is to make the home loan process simple and stress-free by providing clear advice, regular communication, and dedicated support from application through to settlement. Rather than offering a one-size-fits-all solution, we focus on helping you secure a lending option that aligns with your financial goals, borrowing needs, and future plans.
Whether you're purchasing your first home, upgrading to a new property, refinancing your current mortgage, or investing in property, we provide personalised guidance throughout every stage of the process. We can also assess whether you may be eligible for professional lending benefits available to eligible physiotherapists, including reduced or waived Lenders Mortgage Insurance (LMI) and other lender-specific offers, where applicable.
Our goal is to make the home loan process simple and stress-free by providing clear advice, regular communication, and dedicated support from application through to settlement. Rather than offering a one-size-fits-all solution, we focus on helping you secure a lending option that aligns with your financial goals, borrowing needs, and future plans.
Explore Other Loan Solutions We Offer
We provide a wide range of lending options designed to suit different property goals, financial situations, and investment strategies. Whatever your needs, our team is here to guide you to the right loan solution.
Home Ownership Loans
For buyers and homeowners managing their own property needs.
First Home Loans
Get started on your homeownership journey with our first home loan options, crafted to help you secure your dream home.
Second Home Loans
Finance your next property with ease using our second home loan options.
Home Equity Loan
Leverage the equity in your home to unlock funds for renovation, investment, or other financial needs.
Refinancing
Review and enhance your current mortgage terms with our refinancing options, designed to save you money.
Changing Home Loans
Adapt your mortgage to suit your changing life circumstances with ease.
Bridging Loans
Bridge the gap between buying and selling with short-term loan solutions.
Investment Loans
Investment Loans
Explore our investment loan solutions designed to help you build and grow your property portfolio.
SMSF Loans
Utilise your self-managed super fund to invest in property with our specialised SMSF loan options.
Trust Loans
Secure funding for your trust's investment needs with our trust loan solutions, tailored for optimal outcomes.
Sophisticated Investor
Unlock exclusive lending opportunities tailored for sophisticated investors ready to scale.
Rentvesting
Live where you love and invest where it counts with our rentvesting strategies.
Holiday Home Loans
Own your dream holiday retreat with our tailored holiday home loan solutions.
Property Improvement
Renovation Loans
Transform your property with renovation loans tailored for projects of any size.
Green Home Loans
Finance eco-friendly homes or upgrades with our green loan products.
Commercial & Construction Loans
Commercial Loans
Secure finance for your business property needs with our commercial loan options.
Construction Loans
Access funds in stages as construction progresses.
Tailored Loan Solutions for Professionals Across All Industries
We provide tailored lending options for healthcare workers, educators, tradespeople, legal professionals, and business owners—designed to suit the way you earn and work.
LMI Waived Loans For Medical & Healthcare Professionals
At Ausfirst Lending Group, we understand that medical and healthcare professionals need more than just a loan—they need a lending partner who appreciates their unique journey. Whether you're a doctor, nurse, dentist, or allied health specialist, we provide tailored home loan solutions with personal guidance, LMI waivers, and flexible options that fit your career and lifestyle. With Richard’s 30+ years of hands-on broking experience, we ensure your loan process is managed with care, transparency, and expertise from start to finish
Home Loans for Doctors
Designed to accommodate complex income structures like private practice, hospital rosters, and ABNs.
Home Loans for Nurses
Flexible loan terms aligned with shift work schedules and frontline service benefits.
Home Loans For Chiropractor
Mortgage options that recognise the cash flow patterns of clinic-based professionals.
Home Loans For Dentists
Lending solutions tailored for high-earning professionals with private practice considerations.
Home Loans For Optometrists
Customised loans for optometrists balancing practice ownership and salaried roles.
Home Loans For Pharmacists
Designed to support pharmacists navigating retail, hospital, or business ownership income structures.
Home Loans For Psychologists
Loan programs suited to private practice psychologists and those in multidisciplinary clinics.
Education Professionals
Educators play a vital role in shaping future generations, and we’re here to ensure their home loan journey is just as rewarding. Whether you're a school teacher, early childhood educator, university lecturer, or support staff member, we offer home loan solutions designed to recognise your dedication to the community. From exclusive lending benefits to flexible loan structures, we simplify the process so you can focus on what you do best—teaching and supporting others.
Home Loans for Teachers
Mortgage solutions that support educators with steady incomes and eligibility for LMI waivers.
Law Enforcement & Legal Professionals
For those who serve and protect—whether in law enforcement, emergency services, legal professions, or defence—navigating the home loan process should be as straightforward as possible. We offer tailored mortgage solutions that acknowledge the unique demands of your profession, providing structured lending benefits, flexible options, and personalised support.
From police officers and firefighters to lawyers and defence personnel, we’re here to simplify your path to homeownership with solutions designed around your service.
Home Loans for Lawyers
Structured home loans for legal professionals with scalable borrowing capacity as careers progress.
Home Loans for Police Officers
Reliable mortgage options designed for law enforcement with steady service incomes and allowances.
Specialised Loan Solutions
Low-Deposit Home Loans
Tailored for self-employed professionals and business owners who may not have traditional income verification.
100% Offset Home Loans
Take advantage of a 100% Offset Home Loan to minimise the interest you pay by linking your savings directly to your mortgage.
Family Guarantee Home Loans
With a Family Guarantee Home Loan, your parents or close family members can help you enter the property market by using their home equity as security.
Profession-Specific Home Loan Services
Home Loans for Tradies
Flexible lending for self-employed tradies with fluctuating incomes and contractor work history.
Self Employed Loans
Flexible lending tailored to business owners and freelancers with variable documented income.
Home Loans For Accountants
Structured loan solutions designed for accountants with layered income sources and business deductions.
Engineers
Lending options structured for engineers with contract-based or salaried employment structures..
Our Service Process
Understand
We begin by understanding your unique goals and needs through an initial consultation (via phone, Zoom, or in person).
Gather
We gather key information to validate your financial situation and lay the foundation for the right loan strategy.
Analyse & Plan
We carefully review your options and craft a lending strategy tailored to your specific needs and objectives.
Apply
We prepare and submit your application to the lender, ensuring everything is in order.
Finalise
We manage the settlement process, keeping you informed every step of the way and making sure everything proceeds seamlessly.
Support
We provide continuous support and review, offering updated loan options as your needs evolve over time.
Quality
We don’t just find you a loan that fits; we aim to get one that exceeds your expectations in terms of rates, options, and service.
Choice
We work with over 40 lenders, including big banks and non-bank lenders, giving you unparalleled mortgage choice—you have plenty of options to choose the most suitable home loan for you.
Support
Our team is dedicated to guiding you throughout your homeownership journey, whether it’s securing your first home or an additional investment property. We provide ongoing support, including a 6-month review process to keep your loan competitive.
Experienced Brokers
Every mortgage broker on our team has over 10 years of industry experience, ensuring expert advice every step of the way.
Personalised Approach
We tailor home loan solutions that prioritise your best interests, not the bank’s.
Simple Process
Our entire process is transparent and easy to understand, making the entire journey hassle-free.
