Home Loans for Chiropractors

LMI Waiver Options for Chiropractors

As a chiropractor, your work is focused on well-being—now it might be time to focus on your own goals. There are home loan products available that may offer reduced costs, including lower Lenders’ Mortgage Insurance (LMI) requirements.

Some chiropractors may be eligible for home loan options that include reduced or waived LMI, depending on lender policy and individual circumstances. These options are typically assessed on a case-by-case basis and may vary across banks.

Our mortgage brokers can help you explore these possibilities and identify competitive home loans for chiropractors customised to your situation.

We’ve assisted a range of health professionals—including chiropractors and medical practitioners—in exploring home loan options, particularly where lender policies acknowledge allied health roles. Topics like home loans for doctors may also be relevant to those in related fields navigating similar lending pathways.

Let us support you through the process so you can continue focusing on your professional goals.

Chiropractors May Qualify for 90% LVR Without Paying LMI

Some chiropractors and allied health professionals may be eligible for LMI waivers when applying for up to 90% Loan-to-Value Ratio (LVR) home loans. We liaise with a range of banks, including ANZ and Commonwealth Bank, to explore these options on your behalf.

As an example, if you’re considering a $310,000 property, a 90% LVR home loan could amount to around $279,000 in financing. In this scenario, LMI costs might apply depending on the lender’s assessment and criteria.

LMI premiums are generally paid upfront or incorporated into the loan amount, and costs vary based on the loan size, deposit amount, LVR, and the lender’s assessment criteria.

We can help assess your situation and explore your options with lenders who may offer this benefit.

Why Might Chiropractors Qualify for LMI Waivers

LMI waiver eligibility is influenced by factors such as your financial history, level of experience, and employment stability. Some lenders offer loan packages designed for health professionals, which may include LMI waivers.

Some lenders may consider chiropractors lower-risk borrowers, depending on their income, experience, and employment stability. This may improve the likelihood of accessing reduced LMI costs, though this is not guaranteed.

For those early in their careers or still building savings, reduced LMI requirements could help them enter the property market sooner and with lower upfront costs—though this depends on individual financial circumstances.

We can help you explore lending options that may reduce LMI-related expenses and align with your goals.

Non-Chiropractors May Also Qualify for LMI-Free Loans

Many allied health professionals may also be eligible for loans with reduced or waived LMI. Lenders typically assess eligibility based on income stability and professional background.

If you’re not eligible for standard LMI waivers, there could still be other loan structures to explore, such as family guarantee loans or refinancing options.

Our specialist mortgage brokers can review your circumstances and outline the options available to you during an initial consultation.

Conditions Apply When Seeking LMI-Free Home Loans

Lenders have varying eligibility criteria, interest rates, and lending conditions for chiropractors and health professionals. We work with a broad range of lenders that may offer specialised products for borrowers in these fields.

With access to different home loan products, we aim to help you find an option that aligns with your borrowing capacity and financial goals.

At Ausfirst Lending Group, we focus on transparency—providing clear details around loan features, fees, and eligibility so you can make informed choices.

LMI-Free Home Loans May Still Offer Standard Features

In many cases, home loans with waived or reduced LMI may still offer standard features. These could include:

• Fixed or variable interest rate periods
• Fee-waived credit cards (subject to lender policy)
• Loan offset accounts
• Redraw facilities
• Split loan options
• Interest-only periods
• Separate lines of credit

We can help you assess whether these features align with your financial preferences and homeownership goals. Contact us to learn more.

Why Chiropractors May Choose Ausfirst Lending Group

• Our brokers have experience working inside banks, offering insights into how lenders assess applications.
• We may be able to assist in accessing faster approvals or competitive interest rates through our relationships with lenders.
• Some lenders offer specialised loan packages for professionals, which may include tailored interest rates, fee waivers, or service from dedicated lending teams.
• We provide guidance throughout the process, helping you stay informed at each step.
• Our team includes brokers with extensive industry knowledge and training.
• We’ve received recognition within the mortgage industry and have consistently been ranked among top brokerages in Australia.

We’re Here to Help You Move Forward

Finding the right home loan for chiropractors may come with unique considerations, especially when navigating lender policies around LMI waivers or profession-based benefits. Whether you’re early in your career or have been practising for years, understanding your options could make a meaningful difference in how you approach your next step.

At Ausfirst Lending Group, our team works with health professionals across a range of fields—including chiropractic—to identify loan options that may align with their goals. We take the time to understand your circumstances and can walk you through lending pathways that reflect your professional standing and financial profile.

If you’re ready to move forward, let’s talk. Reach out today to start a conversation with one of our mortgage specialists.