Home loans for
Healthcare Professionals

Professional Packages for Registered Healthcare Professionals
up to 90% LMI Waiver – Allied Health

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In Financial Services

Welcome to our tailored brokerage services designed specifically for registered healthcare professionals. Our unique offering enables eligible medical professionals to access home loans or investment loans with a Lenders Mortgage Insurance (LMI) waiver of up to 90%. Please be aware that certain conditions apply.

Eligible Occupations:

Our brokerage services cater to healthcare professionals practising in Australia, including, but not limited to:

  • Audiologist
  • Chiropractor
  • Midwife
  • Occupational Therapist
  • Osteopath
  • Physiotherapist
  • Podiatrist
  • Psychologist
  • Registered Nurse
  • Radiographer
  • Sonographer
  • Speech Pathologist
  • Optometrists

Key Benefits:

  • Unlock loans with up to 90% LMI waiver
  • Minimum income requirements apply
  • Eligibility based on AHPRA registration status

Eligibility Criteria:

To qualify for our specialised packages, applicants must be registered with the Australian Health Practitioner Regulation Agency (AHPRA) under one of the following statuses:

  • Status: Registered
  • Registration Type: Provisional, General, or Specialist

To check eligibility, please visit the AHPRA website:


How to Apply:

Ready to explore the benefits of our specialised brokerage services? Contact us today for a consultation and personalised guidance on accessing tailored loans for your profession. We’ll help you navigate the diverse lending options available from our panel of lenders and secure the ideal loan for your unique needs.

Why Choose Our Brokerage Services:

  • Industry-specific expertise
  • Dedicated support from application to approval
  • Comprehensive understanding of profession-specific loan options
  • Transparent and dependable service
  • Ongoing client support

Don’t miss this opportunity to access exclusive benefits for healthcare professionals.
Reach out to us today and embark on your personalised home loan journey!

Case Study 1

Client Background:

Heidi, a nurse earning $120,000 annually, and Steve, a carpenter with an income of $110,000 per year, decided to purchase a property together. They had $150,000 available for their new purchase. Heidi has a HECS debt, but they both have no other debts.

Their Decision:

Opting for a property priced at $1,000,000, they secured a loan of $900,000, covering 90% of the property’s value. Heidi and Steve took full advantage of Heidi’s occupation as healthcare professionals to access tailored loan options. They leveraged Professional Packages designed specifically for registered healthcare professionals, allowing them to secure a loan with a 90% Lenders Mortgage Insurance (LMI) waiver. Thanks to this, they didn’t have to pay for mortgage insurance, saving them over $21,000.


Heidi and Steve’s strategic choice not only allowed them to avoid mortgage insurance costs but also saved them a significant amount of money, helping them manage their finances effectively as they ventured into property ownership.

Case Study 2

Client Background:

Hannah and David, both nurses, currently rent a property for $700 per week in their desired area. They have a combined income of $240,000 annually. However, they cannot afford to buy a property in their current location due to high property prices. They have savings of $250,000 and are exploring other investment options.

Their Decision:

After considering their financial situation and goals, Hannah and David decided to explore investment opportunities outside their current location. They found a suitable duplex priced at $1,500,000. They secured a loan of $1,350,000, covering 90% of the property’s value. Leveraging their occupation as nurses, they accessed tailored loan options with a 90% Lenders Mortgage Insurance (LMI) waiver, saving them over $35,500 in mortgage insurance costs.


Hannah and David’s strategic choice to continue renting and investing in a duplex not only allowed them to stay in the desired location but also enabled them to utilise their loan as a deductible debt against the investment property. By leveraging their savings and occupation-based loan options, they have set a solid foundation for wealth accumulation and property investment, putting them on track to achieve their long-term financial goals.

Useful Tools

Looking for Other Options?

When borrowing a high loan amount compared to the property’s value without qualifying for mortgage insurance exemptions, consider using a family member’s property as part security. This keeps the loan under 80% LVR for both properties, avoiding the need for mortgage insurance.

This arrangement involves a family member acting as a guarantor. By reducing your Loan to Value Ratio (LVR) to under 80%, you can sidestep the need for Lender’s Mortgage Insurance (LMI).

The family member can contribute via equity from their own home as security, without having to provide funds directly to the borrower.

First Home Buyers Family Pledge Guarantee