Home loans for Physiotherapists

Home Loans for Physiotherapists Sydney | No LMI Mortgage Broker | Buyvest

Home loans for allied health professionals

Home loans for physiotherapists.
No LMI. $0 cost.

Waived LMI at up to 95% LVR for AHPRA registered physiotherapists. Your Sydney physio mortgage broker. 35+ lenders, $0 cost.

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35+
Lenders
95%
Max LVR, no LMI
$60k+
Max LMI saved
$0
Cost to you

How do home loans for physiotherapists work?

As a physiotherapist, select lenders will waive Lenders Mortgage Insurance (LMI) when you borrow up to 90% of the property value, and up to 95% with the most generous lenders. Many add a cheaper rate through their medico banking teams. Call it a physiotherapist home loan or a physio mortgage. Either way, it can save you $15,000 to $60,000+ on one purchase.

Here is the honest part: not every lender accepts physiotherapists. Some run the waiver with no income floor. Others ask for income above a set level. Some exclude physiotherapists from their medico policy completely. Walk into the wrong bank and you get a no that has nothing to do with you. This is what we do all day as a mortgage broker for physiotherapists. The rules change all the time, and tracking them is our job. We compare 35+ lenders and walk you into the right one first.

First home buyers can stack the LMI waiver with the NSW stamp duty concession and save $30,000+ upfront. Already own property? Use your equity to invest or refinance with the LMI waived again. Our service costs you $0, and you deal with the same broker from first call to settlement.

The numbers

How much LMI do physiotherapists save?

LMI is one of the biggest upfront costs when you buy with less than a 20% deposit. As a physiotherapist, you skip it completely.

Property valueLVRLoan amountLMI (non-physiotherapist)Physiotherapist saves
$750,00090%$675,000~$16,800~$16,800
$750,00095%$712,500~$29,500~$29,500
$1,000,00090%$900,000~$22,400~$22,400
$1,000,00095%$950,000~$39,300~$39,300
$1,500,00090%$1,350,000~$33,600~$33,600
$1,500,00095%$1,425,000~$59,000~$59,000
$2,000,00090%$1,800,000~$44,800~$44,800
$2,000,00095%$1,900,000~$78,600~$78,600

Estimates only. LMI varies by lender, insurer, state, and your profile. 95% LVR is available with select lenders, most cap at 90%. Use our property deposit calculator for your numbers, or book a free consultation and we will work out your exact saving.

How much can you save with a physiotherapist home loan?

We check your AHPRA eligibility, work out your borrowing power across 35+ lenders, and show you what you save. Clear answers, no pressure.

0426 002 202 Let's meet

MFAA member. 10+ years lending experience. $0 cost to you.

Why Buyvest

Why use a mortgage broker for physiotherapists?

A mortgage for physiotherapists needs a physio mortgage broker who knows medico lending, AHPRA registration, and which lenders actually accept physios.

35+ lenders compared

Every lender plays by different rules, and for physios the gaps are bigger. Some waive LMI to 95% with no income floor. Some ask for income above a set level. Some say no to physiotherapists completely. We track the rules and show you the winner.

LMI waived. $15k to $60k+ saved

A regular borrower pays about $22,400 in LMI on a $1M property at 90% LVR. You pay nothing. Paid LMI before? Refinance with the waiver and never pay it again.

Your income read right

Fee-for-service, private sessions, locum shifts, practice drawings. Some lenders count all of it, some cut it down. We match you with the one that reads your income best.

Medico banking divisions

Rate discounts you will not find in a branch. We deal with the medico teams directly. Faster answers, better rates.

$0 cost, best interests by law

The lender pays us when your loan settles. Your rate is the same either way. The Best Interests Duty means we must recommend what is best for you.

Reviewed every year

As you move from new graduate to practice owner, better rates open up. We review your loan every year and call you when a better deal appears.

Which physiotherapists qualify for waived LMI?

If you are registered with AHPRA through the Physiotherapy Board of Australia, there is a good chance you qualify with select lenders. It comes down to your registration and picking the right lender. Physiotherapists qualify alongside these medical professionals:

  • Anaesthetists
  • Audiologists
  • Cardiologists
  • Chiropractors
  • Cosmetic surgeons
  • Dental surgeons
  • Dentists
  • Dermatologists
  • Emergency medicine specialists
  • Endocrinologists
  • Epidemiologists
  • Gastroenterologists
  • General Practitioners (GPs)
  • Gynaecologists
  • Haematologists
  • Immunologists
  • Intern doctors
  • Medical registrars
  • Medical residents
  • Nephrologists
  • Neurologists
  • Neurosurgeons
  • Obstetricians
  • Occupational therapists
  • Oncologists
  • Ophthalmologists
  • Optometrists
  • Orthodontists
  • Osteopaths
  • Paediatricians
  • Pathologists
  • Pharmacists
  • Physiotherapists
  • Plastic surgeons
  • Podiatrists
  • Psychiatrists
  • Psychologists
  • Radiographers
  • Radiologists
  • Rheumatologists
  • Sonographers
  • Surgeons (all specialties)
  • Urologists
  • Veterinarians

Which AHPRA registration types qualify for a physiotherapist home loan?

General AHPRA registration gets you up to 90% to 95% LVR with no LMI at select lenders. Every specialisation counts the same: sports physio, neuro, cardiorespiratory, paediatrics, women's health, hand therapy, and occupational rehab all qualify. Some lenders accept provisional or limited registration too, so new graduates can qualify from their first payslip. Some lenders set no minimum income for physiotherapists. Others ask for income above a set level from the profession. It does not matter whether you work in a public hospital, a private clinic, aged care, or your own practice. The lines move, so ask us and we will check the current rules.

Who does not qualify for a physiotherapist home loan?

Physiotherapy students and non-practising registration usually miss out. Exercise physiologists, massage therapists, and physiotherapy assistants do not get the physiotherapist waiver, because they are not registered under the Physiotherapy Board. Other paths in: the Home Guarantee Scheme, a guarantor loan, or a 20% deposit, and we can still find your best deal across 35+ lenders. Think you may qualify? Contact us and we will confirm straight away.

Your income

How do lenders assess physiotherapist income?

Not every bank accepts every type of physiotherapy income. The wrong one can decline you or lend you far less. We walk you into the right one first.

Base PAYG salary

Every lender accepts 100% of this with two payslips. Just changed clinics? Some lenders want you past probation, others accept your first payslip.

Fee-for-service income

Many physios earn a percentage of their billings or private session fees. Some lenders take it at face value if paid through payroll, others average it down. The right one can add $50,000 to $100,000 to your borrowing power.

Multiple clinics

Payroll income from each clinic usually adds together. ABN income may count as self-employed. We find the lenders that count everything.

Contractor and locum ABN

Most lenders want two years of tax returns. Some accept invoices, BAS, and a young ABN with prior PAYG history. We know which lenders say yes.

Practice owners

Drawings, director fees, trust distributions. Some lenders assess one year of tax returns. We make your income read as one clear story.
Self-employed guide

Mixed income

A hospital role plus private sessions, or wages plus locum shifts at weekends. Some lenders only count one stream. We find the ones that count both.
How it works
Your career stage

What is the best physiotherapist home loan for your career stage?

The right move depends on where you are in your career, what you earn, and where you want to end up.

New graduate buying your first home

A physiotherapist home loan lets you buy with a 5% to 10% deposit and no LMI. NSW first home buyers can also pay less stamp duty, or none at all. Read our first home buyer guide.

Example scenario

Kate, new graduate physiotherapist earning $75,000 at a public hospital. She has $65,000 saved and wants a $600,000 apartment in Sydney. At 90% LVR her loan is $540,000. As a first home buyer under $800,000 in NSW she pays zero stamp duty. As a physiotherapist she pays zero LMI, where a regular borrower pays about $13,400. Her upfront cost is about $62,500 instead of $75,900.

Experienced physio upgrading to a family home

The equity in your current home can fund the deposit on your next one. Keep the first as an investment, and your LMI waiver applies to the new purchase too. The trick is the right lender for your fee-for-service income. Read our buying your next home guide.

Example scenario

James, senior sports physiotherapist earning $120,000 including $25,000 in fee-for-service private sessions. He keeps his $700,000 apartment as an investment and buys a $1,050,000 family home at 90% LVR. Zero LMI saves him about $23,500. The right lender counts 100% of his fee-for-service income instead of averaging it down, lifting his borrowing power by over $70,000.

Practice owner building an investment portfolio

With some lenders, the waiver covers investment properties too, at up to 90% LVR. We set up each loan on its own to keep your structure clean. Want interest-only? Tell us early, it changes the lender choice.

Example scenario

Dr. Pham, practice owner with a $950,000 home loan and one investment property. She paid LMI on both before she knew the waiver existed. She refinances both with waived LMI, a lower rate, and $4,000 cashback per property. She saves $12,000+ a year in interest and picks up $8,000 in cashback, with no LMI even above 80% LVR.

Self-employed physio or practice partnership

Drawings, trust distributions, partnership profit, and part PAYG make a messy picture. Some lenders accept one year of financials, BAS, or an accountant letter. We make every stream read as one clear story. Read our self-employed home loan guide.

Refinancing your existing home loan

Paid LMI the first time? Refinancing as a physiotherapist means you switch without paying it again, even above 80% LVR. Add a lower rate and you can save thousands a year. Some lenders run cashback offers too, and we track them.

Rentvesting: rent where you live, invest where it grows

Rent near your clinic, buy an investment property where prices grow. With select lenders, your LMI waiver applies there too, at up to 90% LVR. Chat to your accountant about the tax side. Explore pathways to ownership.

Borrowing power

How can physiotherapists maximise their borrowing power?

Our founder spent 8+ years inside a major bank approving and declining loans. He knows what gets a yes. Your application gets built to be approved at the highest amount.

Pre-assessed before submission

Most brokers submit and hope. We check your file against the lender's credit rules first, so problems get fixed before they cause a decline.

Tested across every lender

On the same income, the gap between lenders can be $100,000 to $300,000. We find the one that reads your fee-for-service income, ABN income, and debts the best way.

Straight to the medico team

Pricing and income rules you cannot get through a branch. We deal with the medico teams directly and push for sharper pricing.

Quick wins before you apply

A credit card cuts your borrowing power by $30,000 to $50,000 for every $10,000 of limit. Cancelling unused cards can add $100,000+.

Your schedule respected

Physios see patients back to back all day. Weekdays 9am to 9pm, weekends 9am to 6pm. We handle everything to settlement.

Inside lending experience

Ali Hasani spent 8+ years as a Senior Mobile Lending Specialist at one of Australia's big four banks. MFAA accredited, with a perfect settlement record.
Meet the team
How it works

How do you get a physiotherapist home loan?

1

Free assessment

We check your AHPRA registration and your income, then find the lender with the highest LVR and waived LMI for you.
2

Compare and choose

See your best options side by side. Waiver limits, rates, fees, offsets, and which lender reads your income best.
3

Settle with zero LMI

We handle the application, valuation, and settlement. Your loan settles with no LMI, then we review your rate every year.
Plan ahead

How much can I borrow as a physiotherapist?

Your results will look different to standard calculators, because medico loans let you borrow at a higher LVR without the LMI bill.

Property deposit calculator

Enter your savings and see your maximum purchase price at 80%, 90%, and 95% LVR, stamp duty included. Your 90% result is real, with no LMI.
Calculate

Home equity calculator

See how much equity you can pull from your current property for your next home or investment.
Calculate

Mortgage repayment calculator

Estimate your repayments across different rates and terms before you commit.
Calculate

Home loans for physiotherapists, physiotherapist home loans, physio home loans, mortgage for physiotherapists and waived LMI for hospital physios, sports physiotherapists, private practice physios, new graduates, locums and practice owners across Sydney and Australia-wide.

Client reviews

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"Ali Hasani is our family's go to and trusted financial advisor and broker and has serviced our loan requests on multiple occasions. I can always count on Ali Hasani to advise with honesty and integrity acting always in our best interest. I would highly recommend Ali and Buyvest."
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★★★★★
"Ali is super knowledgeable, reasonable and personable! He will be realistic with what is possible but always find you the best deal whilst making you feel looked after."
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"Ali is a maestro with a wealth of experience in home lending business, mixed with excellent people skills. His professional and supportive approach is a safe pair of hands to work with to get the required funds for your goal in the property market."
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FAQ

Frequently asked questions about home loans for physiotherapists

Real answers to the questions physiotherapists ask us every day.

What is a physiotherapist home loan?
A loan with special perks for AHPRA registered physiotherapists at select lenders. The big one is waived LMI above 80% LVR, usually up to 90% and up to 95% with the most generous lenders. You may also get discounted rates and a friendlier reading of your income. Lenders offer it because physios have stable incomes and almost never default.
Why do physiotherapists get special home loan deals?
Physiotherapists almost never miss repayments and have strong job security, with steady demand across hospitals, clinics, sport, and aged care. Banks also want you as a long-term customer, from savings to practice banking.
Do all lenders offer waived LMI for physiotherapists?
No, and this is the trap. Some lenders include physiotherapists in their medico waiver. Others exclude physios completely, and the branch will not tell you why you missed out. Lender choice matters more for physiotherapists than for doctors or dentists. We know who says yes right now.
How much deposit does a physiotherapist need?
5% to 10%, with no LMI. On a $1,000,000 property that means $50,000 to $100,000 instead of $200,000. Use our property deposit calculator to see your maximum purchase price.
Do I need AHPRA registration?
Yes. Lenders check your registration with the Physiotherapy Board of Australia, most directly on the AHPRA website. Most accept general registration, and some accept provisional or limited for new graduates and supervised practice. Some also take your degree or your tax return as proof of profession. Not sure? Ask us.
Is there an income requirement?
It varies. Some lenders set no minimum income for physiotherapists. Others ask for income above a set level from the profession, and some want physiotherapy to be your main income. The thresholds move, so we check where you fit before we pick the lender.
What is the maximum loan amount?
It depends on the lender, and the caps move. As a guide, total lending can reach $7.5 million with some lenders. What you can borrow still comes down to your income and debts. We check the current caps for you.
Can I get waived LMI on an investment property?
Yes. Some lenders extend the waiver to investment property purchases at up to 90% LVR. Others cap it lower or not at all. We structure separate splits so your investment lending stays clean for tax time.
How does fee-for-service income affect my borrowing power?
Many physios earn a percentage of their billings or private session fees. Some lenders accept it at full value if paid through payroll. Others average it down or treat it as self-employed. The right lender can add $50,000 to $100,000 to your borrowing power.
Can self-employed physiotherapists get a physio home loan?
Yes. Self-employed physios can get waived LMI too. Most lenders want two years of tax returns. Some accept one year, BAS, or an accountant letter. We check the current rules for you.
Can locum physiotherapists get a home loan?
Yes. Some lenders treat ABN locum income as self-employed. Others accept a shorter history with invoices, BAS, and proof of your previous PAYG work. We package it the way each lender wants.
Does my debt-to-income ratio affect my physiotherapist home loan?
Yes, at some lenders. High debts compared with income can lower your maximum LVR under the waiver. Each lender draws the line in its own place, and the lines move. We check where you sit first.
Can I get interest-only repayments with a physiotherapist home loan?
It depends. Some lenders only allow principal and interest under the waiver. Others allow interest-only for a set period, more often on investment loans. Tell us early, it changes which lender we pick.
Can I build a home with a physiotherapist home loan?
Yes, with select lenders. Some cover fixed-price building contracts and even vacant land under the physio waiver, which is rare for medico policies. Others rule out construction loans completely. If building is your plan, we check the current policy for you.
Do physiotherapist home loans have higher interest rates?
No. Physiotherapist home loans usually match or beat standard rates. Many lenders offer medico discounts for health professionals, and some give physios the 80% rate at 90% LVR.
Can I refinance and avoid LMI as a physiotherapist?
Yes. You can refinance to a new lender with waived LMI even above 80% LVR. Gold if you paid LMI before you knew physiotherapist home loans existed.
What documents do I need?
ID, AHPRA registration, proof of income (two payslips, or tax returns if self-employed), bank statements, and details of any loans. We give you a checklist built for your situation.
My spouse is a physiotherapist. Can we get a physio home loan?
Yes. Joint applications with an eligible physiotherapist can get the waiver. Most lenders want the physio on the title and the loan. Your income counts toward borrowing power too.
Can I combine the LMI waiver with stamp duty concessions?
Yes. The waiver comes from the lender, stamp duty concessions from the NSW government, so you can stack them. That can mean zero stamp duty and zero LMI, $30,000+ in combined savings. We check what applies to you.
How quickly can I get pre-approved?
Physios with simple PAYG income can be pre-approved within hours to a few days. Complex files take longer. Pre-approval lasts about 90 days.
Should I use a broker or go to my bank?
For physiotherapists this matters more than most. Your bank can only offer its own product, and some banks exclude physios from their medico waiver completely. As a mortgage broker for physiotherapists, we compare 35+ lenders and go straight to the ones that say yes. Our service costs $0 either way.
How much does a mortgage broker cost?
$0. The lender pays us a commission (typically 0.45% to 0.65% of the loan) at settlement. Your rate is the same either way. Meet our team.
Are exercise physiologists eligible?
No. Exercise physiologists are not registered under the Physiotherapy Board, so the physio waiver does not apply. The Home Guarantee Scheme, a guarantor loan, or a 20% deposit are other paths in, and we can still find your best deal.
Do all physio specialisations qualify?
Yes. Sports physio, neuro, cardiorespiratory, paediatrics, women's health, hand therapy, occupational rehab. Every specialisation qualifies the same way. Your specialty never counts against you.
Can I get a physiotherapist home loan with a trust or company structure?
Some lenders allow it, usually where the physio is trustee and beneficiary, or a director and owner. Others only accept individual borrowers. The lender choice decides whether you keep the waiver, and we know who works with your structure.
Are there postcode restrictions on physiotherapist home loans?
At some lenders, yes, often regional or mining towns. Most city properties are fine. The lists change, so we check your suburb before we apply.
Do school fees affect my borrowing power as a physiotherapist?
Yes. Private school fees of $20,000 to $40,000 per child per year cut your borrowing power. Some lenders treat them more harshly than others, and we find the one that hits you least.
What loan features do physiotherapists get access to?
All the usual: fixed and variable rates, 100% offset, redraw, splits, interest-only where allowed, and lines of credit. Some lenders even waive package fees for health professionals.
How do credit cards affect my borrowing power?
A lot. Lenders treat your limit as fully spent, even if you clear it monthly. A $10,000 limit cuts borrowing by about $30,000 to $50,000. Cancelling unused cards before you apply is an easy win.
Can I get a physio home loan with HECS-HELP debt?
Yes. HECS lowers what you can borrow but will not stop approval. Some lenders treat it more kindly than others, and we know which.
Do buy now pay later accounts affect my application?
Yes. Active Afterpay, Zip, or Humm accounts count as debts and cut your borrowing power. Close them before you apply.
What happens if I leave physiotherapy?
Nothing bad. The waiver is checked when you apply, and once settled your loan is unchanged. Only catch: a future refinance needs current registration for a new waiver.
Can I get a physio home loan on a temporary visa?
Sometimes. Some lenders accept temporary visa holders, often with a lower maximum LVR or a bigger deposit. Permanent residents and citizens get the widest choice. Ask us and we will check your visa type.
Are there property type restrictions on physiotherapist home loans?
Standard homes are covered: houses, townhouses, and apartments. Some lenders rule out very small apartments or rural properties, others accept far more, including construction and vacant land. You can get conditional approval before you find a property.
Can I buy multiple investment properties with a physiotherapist home loan?
Yes. No set limit on properties, as long as you can service the debt. Some lenders cap total lending with them, so we spread loans across lenders and structure each on its own.
What are physiotherapist home loan interest rates?
Usually the same as or better than standard rates, with medico discounts through professional banking teams. Rates change all the time, so contact us for today's best.
What is debt recycling and can physiotherapists use it?
It turns home loan debt you cannot deduct into investment debt you can, using equity and separate splits. Talk to your accountant about whether it suits you, then talk to us about the loan setup.
All professions

Which professions qualify for no LMI home loans?

Use your professional status to skip LMI and get cheaper rates, whatever your industry.

Doctors

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Dentists

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Veterinarians

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Pharmacists

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Optometrists

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Podiatrists

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Chiropractors

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Psychologists

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Osteopaths

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Sonographers

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Lawyers

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Accountants

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Bankers

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Auditors

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Actuaries

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All no-LMI loans

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Your best physiotherapist home loan is one call away.

We compare 35+ lenders, find the ones that say yes to physios, push for a sharper rate, and handle everything. $0 cost.

0426 002 202 Let's meet

MFAA member. 10+ years lending experience.

Physiotherapist home loan Sydney specialists helping allied health professionals across 220+ suburbs and Australia-wide. Meet our team. Service regions: Sydney CBD, Sydney Central, Eastern Suburbs, Northern Beaches, North Shore, Inner West, Sutherland Shire, Hills District, St George, Canterbury-Bankstown, Western Sydney, Penrith.