Home Loans For Physiotherapists

As a physiotherapist, you may be eligible for lending packages that could help reduce costs. Here’s what you might access:

• No Lender’s Mortgage Insurance (LMI)
  Some lenders may allow borrowing up to 90% of a property’s value without LMI, which could potentially save around $16,500 in upfront costs on an $800,000 loan—depending on individual circumstances and lender policy.
• Discounted Interest Rates
  Some lenders offer reduced rates for eligible borrowers, which could apply for the life of your loan.
• Cashback Incentives
  Cashback offers of up to around $3,500–$4,000 may be available when refinancing or applying for a new home loan—depending on the lender and eligibility criteria.
• Annual Fee Waivers
  If your loan exceeds $1 million, some lenders may offer annual fee waivers, which could potentially save you up to $11,200 over a 30-year loan term—depending on the lender’s fee structure and product offering.

To potentially access these offers, you’ll generally need:

• Current employment as a physiotherapist
• AHPRA registration
• No specific income threshold

These offers may be available to early career physios as well as experienced professionals.

Lenders may also offer similar pathways to other healthcare professionals—those reviewing home loans for pharmacists, for example, might find overlapping considerations. However, it’s important to speak with a specialist broker to assess how these options could apply to your personal situation.

Lenders often view physiotherapists as lower-risk borrowers due to the profession’s income stability and consistent repayment history. The role is also in steady demand, which could support stronger lending confidence.

Physiotherapists often have varied income structures. Some lenders may not accept all types of income, so choosing the right lender can be important. Here’s how income types are commonly assessed:

• Full-time or part-time PAYG: 100% of base salary is usually accepted
• Casual income: Many lenders accept 100%, with requirements ranging from 3 to 12 months in the role
• Overtime: Often 80% is used, though some lenders may consider 100% with consistency
• Allowances: Typically 80% is assessed, depending on the allowance type
• Self-employed: Most lenders require two years of tax returns

If you’re unsure whether your income qualifies, or have questions about home loans for physiotherapists, speak with one of our mortgage specialists or enquire online.

At Ausfirst Lending Group, we combine lending expertise with first-hand knowledge of how applications are assessed. Our team includes former bank professionals who understand lender requirements in detail.

Here’s how we may be able to support your physiotherapist home loan journey:

• Faster Approvals & Competitive Rates
  Our premium broker status gives us access to lender teams that may offer faster response times and more competitive interest rates.
• Access to Specialist Lending Divisions
  We work with internal divisions at major banks that focus on lending to medical professionals. These teams may offer loan features not available through standard channels.
• Step-by-step Guidance
  We aim to guide you through the full process—from application through to settlement—so you’re supported every step of the way.
• Recognised Industry Experience
  Our brokers have helped train professionals across the industry and are consistently recognised among Australia’s leading mortgage specialists.
• Multi-award-winning Service
  Ausfirst Lending Group has received industry awards in recognition of our service and commitment to helping clients navigate the lending process.

Call Ausfirst Lending Group or enquire online and speak with a reliable mortgage specialist today.

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

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