As a physiotherapist, you qualify for home loan benefits most borrowers cannot access: waived Lenders Mortgage Insurance (LMI) at up to 90% to 95% LVR, discounted interest rates through medico banking divisions, and loan amounts up to $5 million per property. On a single purchase, this can save you $15,000 to $60,000+. Not all lenders accept physiotherapists for their medico waiver. At least one major lender explicitly excludes physiotherapists, so the right broker makes a significant difference.
We specialise in physiotherapist home loans. We know which lenders offer physiotherapists up to 95% LVR with no income requirement, which cap at 90% with a $90,000 threshold, which accept provisional AHPRA registration for new graduates, and which exclude physiotherapists entirely from their waiver. We compare 35+ lenders so you get the best deal for your situation, whether you work in a hospital, a private clinic, or run your own practice.
First home buyers can combine the LMI waiver with the NSW stamp duty concession (nil on properties up to $800,000 and a concessional rate between $800,000 and $1,000,000) for $30,000+ in combined savings. If you already own property, we help you use equity to invest or refinance to a lower rate with waived LMI. Buying, investing, or refinancing, our service costs you $0. Use our repayment calculator or equity calculator to start planning your numbers.
Find out how much you save with a physiotherapist home loan
We verify your AHPRA eligibility, calculate your borrowing power across 35+ lenders, and show you exactly how much you save on LMI and interest. Buying, investing, or refinancing - $0 cost.
Get my free home loan assessmentLenders Mortgage Insurance is one of the biggest upfront costs when buying with less than 20% deposit. As a physiotherapist, it is waived entirely at up to 90% to 95% LVR depending on the lender. Here is what a regular borrower would pay, and what you save:
| Property Value | LVR | Loan Amount | Estimated LMI (non-physiotherapist) | Physiotherapist Saves |
|---|---|---|---|---|
| $750,000 | 90% | $675,000 | ~$16,800 | ~$16,800 |
| $750,000 | 95% | $712,500 | ~$29,500 | ~$29,500 |
| $1,000,000 | 90% | $900,000 | ~$22,400 | ~$22,400 |
| $1,000,000 | 95% | $950,000 | ~$39,300 | ~$39,300 |
| $1,500,000 | 90% | $1,350,000 | ~$33,600 | ~$33,600 |
| $1,500,000 | 95% | $1,425,000 | ~$59,000 | ~$59,000 |
| $2,000,000 | 90% | $1,800,000 | ~$44,800 | ~$44,800 |
| $2,000,000 | 95% | $1,900,000 | ~$78,600 | ~$78,600 |
Estimates only. Actual LMI costs vary by lender, insurer, state, and borrower profile. Assumes standard residential property, owner-occupied, principal and interest repayments. 95% LVR is available with select lenders only; most cap at 90%. Use our property deposit calculator for your exact numbers, or book a free consultation for your personalised LMI saving.
A mortgage for physiotherapists requires a broker who understands medico lending policies, AHPRA registration, and allied health income structures:
Not all lenders offer physiotherapist home loans. At least one major lender explicitly excludes physiotherapists from their medico waiver with no exceptions. Others accept physiotherapists but vary widely: some offer up to 95% LVR with no income requirement, others cap at 90% and require a minimum $90,000 income. Maximum loan amounts range from $4.5 million to $5 million per security, with aggregate limits up to $7.5 million. You get every relevant lender compared against your registration, income structure, and financial situation so you get the best deal.
LMI is one of the biggest upfront costs when buying with less than 20% deposit. A regular borrower purchasing a $1,000,000 property at 90% LVR would pay approximately $22,400 in LMI. At 95% LVR, the cost rises to approximately $39,300. With a physiotherapist home loan, LMI is waived entirely at up to 90% to 95% LVR. If you previously paid LMI, you can refinance with waived LMI and never pay it again. Use our property deposit calculator for your exact numbers. Read our LMI guide for more detail.
Your income is unique: PAYG salary from a hospital or clinic, hourly rates, fee-for-service billings, contractor invoices, practice drawings, or partnership distributions. Some lenders accept fee-for-service income at full value if paid through payroll with tax withheld. Others average it conservatively. Some require that the primary source of income be derived from physiotherapy. The wrong lender means less borrowing power or a declined application. You get matched to the lender that assesses your physiotherapy income most favourably.
Many lenders offer rate discounts through medico or professional banking divisions not accessible through branches or the bank's website. Your application goes directly to the medico division with AHPRA verification and documentation prepared to their requirements. Faster turnaround, better rates, fewer delays. We also compare cashback offers of $2,000 to $10,000 when switching lenders.
The lender pays the commission when your loan settles. You pay the same rate whether you go direct or through a broker. A mortgage broker is legally bound by the Best Interests Duty to recommend what is best for you, not the lender. Learn about our team.
Your income changes as you progress from new graduate to senior clinician to practice owner. As income grows and equity improves, better rates become available. You receive annual rate reviews and proactive contact when a better deal comes up. We also help you release equity to fund your next investment property as your portfolio grows.
Doctors and allied health professionals registered with AHPRA are eligible for exclusive home loan deals. The following medical professionals may qualify for a doctor home loan with waived LMI:
Eligibility varies by lender. Not all lenders accept all professions listed above. If your medical occupation is not listed and you believe you may be eligible, contact us and we will confirm your eligibility immediately.
Not all banks accept every type of physiotherapy income. Approaching the wrong lender can mean a declined application or reduced borrowing power:
100% accepted by all lenders. Two recent payslips from your current employer are required. This is the most common structure for physiotherapists employed in public hospitals, rehabilitation centres, and group practices. If you have recently changed employers, some lenders require you to have passed probation while others accept income from your first payslip. You must be currently employed and working in Australia to qualify for the LMI waiver with most lenders.
Many physiotherapists in private practice earn a percentage of billings or fee-for-service income based on patient consultations. Some lenders treat this as PAYG if paid through the clinic's payroll with tax withheld. Others treat it as variable income requiring longer history. The calculation period varies: some use the most recent 3 months, others 6 or 12 months. Choosing the right lender can increase your borrowing power significantly.
Two years of tax returns are generally required. Depending on how long you have been invoicing through your ABN, some lenders accept a combination of invoices, BAS, interim tax returns, and evidence of previous income. Some lenders accept an ABN as little as 6 months old if you have prior PAYG history in the same profession. Note that one lender's "Fast Track" self-employed assessment method is not available under the physiotherapist medico waiver. Our self-employed home loan guide covers the full range of verification options.
Casual income is acceptable with most lenders. Most require 12 months with your current employer, but a few accept casual income with as little as 3 months. For locum physiotherapists working across multiple clinics, income paid through invoices to an ABN may be treated as self-employed income by some lenders. Others accept a shorter history with invoices, BAS, and evidence of previous employment.
Two years of tax returns and financials are generally required. If your practice income flows through a company or trust, the way income reaches you needs clear documentation: drawings, director fees, trust distributions, or a combination. Some lenders accept trust structures where the physiotherapist is a trustee and beneficiary. Others accept company structures where the physiotherapist is a director/owner or guarantor. Verification can be via AHPRA registration, your university degree, or the most recent tax return showing your occupation.
Many physiotherapists earn from multiple sources: a permanent role at a hospital plus private practice sessions, or a salary plus locum shifts at weekends. Some lenders only assess the primary income stream and ignore secondary income. Others combine both but apply different serviceability rules to each. Some also require that the primary source of income be derived from physiotherapy. You get matched with the lender that maximises borrowing power by accepting all your income streams together.
Our founder spent 8+ years inside one of Australia's major banks approving and declining loans. That experience means your application is built to get approved at the highest possible amount:
Most brokers submit and wait. Your application is checked against the lender's credit criteria before it goes in, so issues are resolved upfront. Complex income from practice ownership, fee-for-service billing, and mixed revenue streams is presented in the format credit assessors expect. Less back-and-forth, faster approval.
Each bank calculates borrowing power differently. By testing your situation across every lender, we find the one that accepts your fee-for-service income at full value, applies the smallest assessment rate buffer on your existing fixed rate loan, and counts rental income at 80% instead of 70%. The difference between lenders can mean $100,000 to $300,000 in borrowing power on the same income. We also check which lenders accept physiotherapists without an income floor versus those requiring $90,000+.
Major banks have specialised medico lending teams with pricing, LVR limits, and income policies not available through branches. Your application goes directly to the medico division with AHPRA verification and documentation prepared to their requirements. Faster turnaround, better rates, fewer delays.
Simple changes can dramatically increase how much you borrow. Credit cards reduce borrowing power by $30,000 to $50,000 per $10,000 limit, even if paid off monthly. HECS repayments, buy now pay later accounts, and school fees also count against you. These are identified during your initial assessment so you know what to fix before the application goes in. For many physiotherapists, cancelling unused credit cards alone adds $100,000+ to borrowing power.
Physiotherapists spend their days treating patients back to back. Consultations are available Monday to Friday 9am to 9pm and weekends 9am to 6pm. All paperwork is handled, the lender chased, your solicitor coordinated with, the valuation arranged, and you kept updated through to settlement. After settlement, regular check-ins keep your rate competitive.
Ali Hasani spent 8+ years as a Senior Mobile Lending Specialist at one of Australia's big four banks, where medico home loan policies for physiotherapists and health professionals are developed and administered. He holds a Diploma of Finance and Mortgage Broking Management and a Post Graduate Certificate in Accounting. MFAA accredited with a perfect settlement record. Learn more about our team.
Use our physiotherapist home loan calculator tools to estimate your borrowing capacity, maximum purchase price, and repayments. Your results will differ from standard calculators because physiotherapist loans allow higher LVR without LMI:
Enter your savings. See your maximum purchase price.
Our property deposit calculator works as a physiotherapist borrowing capacity calculator. It shows your maximum purchase price at 80%, 90%, and 95% LVR with stamp duty included. As a physiotherapist with waived LMI, your 90% or 95% result is achievable without the LMI cost other borrowers pay on top.
LMI waiver eligibility, maximum LVR, and lender policies differ by registration type and how you practise:
AHPRA-registered physiotherapists with general registration can qualify at up to 90% to 95% LVR with no LMI depending on the lender. Some lenders place physiotherapists in their highest eligibility tier with no income requirement. Others classify physiotherapists in a second tier requiring a minimum $90,000 combined gross income from the profession. This covers physios working in public hospitals, private clinics, rehabilitation centres, aged care facilities, and community health centres. At least one major lender explicitly excludes physiotherapists from their waiver, so not all banks will offer this benefit.
Read about LVR and how it affects your ratePractice owners can access waived LMI provided they meet AHPRA registration and income verification criteria. Most lenders require two years of tax returns and financials. Some accept one year with BAS or an accountant's letter. Whether you own a sole practice, a multi-location group, or a franchise, we identify lenders that assess practice income most favourably. Note that one lender's fast-track self-employed assessment method is not available under the physiotherapist waiver.
Read about self-employed home loansNew physiotherapy graduates with general AHPRA registration can access the LMI waiver once registered. Some lenders also accept provisional registration and limited registration for postgraduate training or supervised practice, while others require general or specialist only and explicitly exclude provisional and limited types. Some lenders require you to have been employed for at least 3 months or to have passed probation. Others accept your first payslip. Lender selection matters for recently qualified physiotherapists.
Read our first home buyer guideAll physiotherapy specialisations qualify for the LMI waiver including sports physio, neuro, cardiorespiratory, paediatrics, women's health, hand therapy, and occupational rehabilitation. Your specialisation has no negative impact on your application. All lenders that accept physiotherapists accept all specialisations.
Read our full No LMI home loan guideExercise physiologists, massage therapists, and physiotherapy assistants are not eligible for the physiotherapist LMI waiver as they are not registered with AHPRA under the Physiotherapy Board. Other pathways include the Home Guarantee Scheme, a guarantor loan, or saving a 20% deposit.
Explore all pathways to home ownershipPhysiotherapy students (not yet registered), those with non-practising registration (unless on temporary leave such as parental leave), exercise physiologists, massage therapists, and physiotherapy assistants do not qualify. Students and retirees are excluded at all lenders. If you do not qualify, we can still help you find the best standard home loan through our panel of 35+ lenders.
Read about deposit optionsYour strategy should match your career stage, income, and goals:
A physiotherapist home loan lets you purchase with 5% to 10% deposit and no LMI. If your property is under $800,000, you also pay zero stamp duty as a first home buyer in NSW. Between $800,000 and $1,000,000, a concessional rate applies.
Example scenario
Kate, new graduate physiotherapist earning $75,000 at a public hospital. She has $45,000 in savings and wants to buy a $600,000 apartment. At 90% LVR, her loan is $540,000. She needs $60,000 deposit plus approximately $2,500 in legal costs. As a first home buyer under $800,000 in NSW, she pays zero stamp duty. As a physiotherapist, she pays zero LMI. A regular borrower at the same LVR would pay approximately $13,400 in LMI. Kate saves ~$13,400.
Your built-up equity can fund the deposit on your next home. You can keep your first property as an investment. Your physiotherapist LMI waiver applies to the new purchase as well. The key is choosing the right lender: one that accepts your fee-for-service income at full value and applies the smallest assessment rate buffer on your existing fixed rate loan.
Example scenario
James, senior sports physiotherapist earning $120,000 (including $25,000 in fee-for-service private sessions). He owns a $700,000 apartment with $220,000 equity and wants to buy a $1,050,000 family home. He keeps the apartment as an investment. At 90% LVR on the new home, his loan is $945,000. He pays zero LMI, saving approximately $23,500. The right lender uses 100% of his fee-for-service income instead of averaging it conservatively, increasing his borrowing power by over $70,000.
Physiotherapist LMI waivers can apply to investment properties with some lenders at up to 90% LVR. Each investment loan is structured separately to maximise negative gearing deductions, avoid cross-collateralisation, and diversify across lenders. Interest-only availability varies: some lenders allow IO converting to P&I, others require P&I only under the waiver, and some cap IO at a lower LVR such as 80% for owner-occupied.
Example scenario
Dr. Pham, practice owner with a $950K home loan and one investment property. She originally paid LMI on her home before knowing about the physiotherapist waiver. By refinancing both loans with waived LMI to a lower rate with cashback ($4,000 per property), she saves $12,000+ per year in interest and receives $8,000 in cashback. The LMI waiver means no LMI is payable on the refinance despite both properties being above 80% LVR.
Practice drawings, trust distributions, partnership profit shares, and mixed PAYG create complexity standard lenders struggle with. Some accept 1 year of financials, BAS, or an accountant's letter. If your practice is held in a trust or company, some lenders accept the loan through a related company or trust where the physiotherapist is a director/owner or guarantor. Not all lenders allow trust structures under the waiver. Your income is presented so each stream reads as one coherent story, maximising borrowing power.
Read our self-employed home loan guideIf you originally paid LMI, refinancing as a physiotherapist lets you switch without paying LMI again, even if your LVR is above 80%. Combined with a lower rate and potential cashback ($2,000 to $10,000), refinancing can save thousands per year. For practice owners with a portfolio, refinancing all loans can save $15,000+ per year in interest while accessing cashback on each property.
Read our refinance guideMany physiotherapists want to live near their clinic but cannot afford to buy in the same area. Rentvesting lets you rent close to work while buying an investment property in a growth area. With select lenders, your LMI waiver applies to the investment property at up to 90% LVR. You claim tax deductions on the investment loan interest and build wealth through capital growth and rental income.
Explore pathways to ownership"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."
"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."
"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."
Your AHPRA registration is verified, your income structure assessed, borrowing power calculated across 35+ lenders, and the lender with the highest LVR and waived LMI for your profession identified. Stamp duty concessions and other benefits are checked.
Your best options are presented with clear comparisons of LMI waiver LVR limits, interest rates, comparison rates, fees, offset features, and maximum loan amounts. You see which lender assesses your physiotherapy income most favourably. Read our choosing the right finance guide.
The application is handled, AHPRA verification submitted, valuation arranged, and settlement coordinated. Your physiotherapist home loan settles with no LMI. Ongoing support and annual rate reviews follow.
Educate yourself on LMI, government schemes, loan structures, and property strategies:
Real answers to the questions physiotherapists ask us every day:
A home loan with special benefits for AHPRA-registered physiotherapists. The main benefit is waived LMI when borrowing above 80% of the property value, typically up to 90% to 95% LVR depending on the lender. You may also receive discounted interest rates and more favourable income assessment. These benefits exist because lenders consider physiotherapists low-risk borrowers with stable income and strong career security. Not all lenders offer this waiver for physiotherapists, so lender selection is critical.
Physiotherapists are AHPRA-registered health professionals with stable careers, consistent demand for services across hospitals, clinics, aged care, and sports, and very low default rates. Lenders that classify physiotherapists as eligible low-risk borrowers offer access to medico lending policies with waived LMI and discounted rates.
With a physiotherapist home loan, you can purchase with 5% to 10% deposit and no LMI depending on the lender. On a $1,000,000 property at 90% LVR, that means $100,000 instead of $200,000. Use our property deposit calculator to see your maximum purchase price based on your savings.
Yes. All lenders require current AHPRA registration through the Physiotherapy Board of Australia. Most accept general registration. Some also accept provisional and limited registration for postgraduate training or supervised practice, while others only accept general or specialist. Verification methods vary: some require AHPRA registration directly, others accept an Australian university degree or the most recent tax return confirming the profession.
It varies by lender. Some lenders have no minimum income requirement for physiotherapists. Others classify physiotherapists in a second tier requiring a minimum $90,000 combined gross income from the profession. Some also require that the primary source of income be derived from physiotherapy. We identify lenders that match your income level and structure.
Varies by lender. Per-security limits range from $4.5 million to $5 million. Aggregate exposure limits (total lending across all properties) range from $7 million to $7.5 million. Your actual borrowing capacity depends on income, debts, and serviceability.
Yes. Some lenders extend the LMI waiver to investment property purchases at up to 90% LVR. Not all lenders offer this for physiotherapists. The loan is structured with separate splits for tax-deductible investment debt.
Yes. Self-employed physiotherapists can access waived LMI provided they meet AHPRA registration and income verification criteria. Most lenders require 2 years of tax returns. Some accept 1 year, BAS, or an accountant's letter. Note that one lender's fast-track self-employed assessment method is not available under the physiotherapist waiver.
Yes. Some lenders impose a debt-to-income (DTI) cap. If your total debts relative to your gross income exceed the threshold, typically a DTI of 6, your maximum LVR may drop or the LMI waiver may not apply. Cancelling unused credit cards and paying down existing debts can improve your DTI and unlock higher LVR limits.
It depends on the lender. Some allow interest-only converting to P&I after a fixed period, but not permanent interest-only. Others cap interest-only at a lower LVR, for example 80% LVR for owner-occupied IO versus 90% for P&I. For investment properties, interest-only is available at up to 90% LVR with some lenders. If interest-only is important to your strategy, this is a key factor in lender selection.
Yes, with select lenders. Construction loans and vacant land are explicitly permitted under some medico waiver policies for physiotherapists. Others exclude construction and land. If building is part of your plan, we identify which lenders cover construction under the physiotherapist LMI waiver.
No. Physiotherapist home loans typically offer the same or better rates. Many lenders offer rate discounts specifically for health professionals through their medico banking divisions.
Yes. You can refinance to a new lender with waived LMI, even if your current LVR is above 80%. This is valuable if you originally paid LMI before knowing about physiotherapist home loans.
Personal ID (passport or licence plus citizenship or residency proof), AHPRA registration verification (or university degree or tax return confirming occupation), proof of income (2 recent payslips for PAYG, or 2 years of tax returns for self-employed), bank statements showing savings, and details of existing loans. Practice owners may need an accountant's letter and business financials. A complete checklist is provided specific to your situation.
Yes. Joint applications with an eligible physiotherapist can access the LMI waiver. Most lenders require the physiotherapist to hold at least equal ownership share on title and be a borrower on the loan. The non-physio spouse's income also counts toward borrowing power.
Yes. The physiotherapist LMI waiver is from the lender; stamp duty concessions are from the NSW government. They are completely separate. On a $750,000 first home purchase, you pay zero stamp duty and zero LMI, saving potentially $30,000+ in combined upfront costs.
Physiotherapists with straightforward PAYG income and clean AHPRA registration can be pre-approved within hours to a few days. Complex applications (self-employed, multiple income streams) may take longer. Pre-approval is valid for approximately 90 days.
A bank can only offer its own product. Some banks explicitly exclude physiotherapists from their medico waiver. A broker compares 35+ lenders and knows which ones accept physiotherapists. Different lenders offer different LVR limits (90% versus 95%), income thresholds ($0 versus $90,000+), maximum loan amounts, interest-only availability, and registration requirements. If you go to a branch, they may not offer you the medico rate or may not accept physiotherapists at all. The service costs $0.
$0. The lender pays the commission (typically 0.45% to 0.65% of the loan value) when your loan settles. You pay the same rate whether you go direct or through a broker. Meet our team.
No. Exercise physiologists are not registered with AHPRA under the Physiotherapy Board and are not eligible for the physiotherapist LMI waiver. The Home Guarantee Scheme or a guarantor loan are alternative pathways.
Some lenders accept family trusts or unit trusts where the physiotherapist is a trustee and beneficiary/unit holder. Others accept company structures where the physiotherapist is a director/owner or guarantor. Not all lenders allow this under the LMI waiver. Bridging loans and loans used with a family security guarantee are typically excluded. We identify which lenders accommodate your structure.
Yes, at some lenders. The LMI waiver may not be available for properties in postcodes classified as high risk or at risk. Most lenders apply the waiver without postcode restriction for standard metropolitan properties.
Yes. Lenders include school fees as a committed expense in their serviceability assessment. Private school fees of $20,000 to $40,000 per child per year can reduce borrowing power significantly. Some lenders treat school fees more conservatively than others. If you have children at private school, we identify lenders that minimise the impact on your borrowing capacity.
All standard features: fixed rate and variable rate options, 100% offset accounts, redraw facilities, split loans, and line of credit. Interest-only availability varies by lender (see the interest-only FAQ above). The LMI waiver does not limit your feature access.
Your borrowing capacity depends on income, debts, expenses, and which lender you apply with. Each lender calculates differently, so using a broker across 35+ lenders maximises borrowing power. Borrowing power for the same physiotherapist can vary by $100,000 to $300,000 between lenders. Use our mortgage repayment calculator to estimate repayments.
Significantly. Lenders assess card limits as fully drawn. A $10,000 limit reduces borrowing by approximately $30,000 to $50,000. Multiple cards can reduce capacity by $100,000+. Cancelling unused cards before applying is one of the simplest ways to boost your borrowing power.
Yes. HECS does not prevent approval but reduces borrowing power. Lenders count the compulsory repayment (1% to 10% of income) as a committed expense. Some lenders treat HECS more favourably than others.
Yes. Lenders check for active BNPL accounts (Afterpay, Zip, Humm). These count as liabilities and reduce borrowing power. Close any BNPL accounts before applying.
The LMI waiver is assessed at application time. Once your loan settles with waived LMI, you do not need to remain in physiotherapy. If you refinance later and your AHPRA registration has lapsed, you would not qualify for a new LMI waiver. Your existing loan is unaffected.
Some lenders accept temporary visa holders, though terms may differ: lower LVR, higher deposit, or property restrictions. Permanent residents and citizens have the widest lender choice. Contact us to check eligibility for your visa type.
The LMI waiver applies to standard residential property: houses, townhouses, and apartments. Some lenders restrict small apartments (under 50sqm), high-density buildings, or rural properties. Construction and vacant land are permitted with select lenders. Properties in high-risk or at-risk postcodes may be excluded. If you have not found a property yet, you can apply as a home seeker and receive conditional approval subject to valuation, valid for 90 days.
Generally the same as or better than standard rates. Many lenders offer medico-only rate discounts through their professional banking divisions. Rates change frequently, so we compare the latest fixed and variable offers across 35+ lenders and negotiate the best deal for your situation. Contact us for today's best physiotherapist home loan rates.
Debt recycling converts non-deductible home loan debt into tax-deductible investment debt. You draw equity from your home to invest in an income-producing asset (such as an investment property or shares), then use the returns to pay down your non-deductible home loan faster. It requires careful loan structuring with separate splits for deductible and non-deductible debt. Speak to your accountant and contact us to structure the loans correctly.
Use our mortgage broker status and get cheaper interest rates across all professions:
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We compare 35+ lenders, verify your AHPRA eligibility, find the highest LVR with waived LMI, negotiate discounted rates, and handle everything. $0 cost.
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