Your profession puts you in a strong position with lenders. Physiotherapists are recognised as stable, high-income professionals which is why select lenders offer an LMI waiver with just a 10% deposit, whether you are buying a home to live in or an investment property.
Eligible: Registered Nurses (RNs), Midwives, Pharmacists, Physios, Chiropractors.
Income Requirement:
Typically requires a minimum annual income (e.g., $90,000+).
Shift Work & Overtime:
We can help prove income consistency for irregular shifts to maximize your borrowing capacity.
2026 Breakthrough:
Select lenders now offer LMI waivers for Registered Nurses and Midwives up to 90% LVR ($0 LMI with a 10% deposit).
Service Benefits
Our approach is built on clear communication and personalized support. We believe every first home buyer deserves expert guidance without the confusion, and we're here to make that happen for you.
like physiotherapists — and know exactly which ones offer the best terms.
to ensure you get the most competitive rate, not just any rate.
we are paid by the lender after settlement.
FAQs
- Do I need to be registered with AHPRA?
-
Yes. Current AHPRA registration is required to access professional LMI waiver benefits.
- Can I use this for an investment property?
-
Yes. The 10% deposit and no LMI benefit applies to both owner-occupied and investment purchases.
- Is there a maximum loan amount?
-
Loan size limits vary by lender. We clarify this during your consultation.
- Are there income requirements?
-
What if I am self-employed as a physio?
Step 1: The Strategy Session (Kick-Off)
- What happens: A 30-minute deep dive into your goals.
- Key focus: We identify your "Professional Tier" to unlock exclusive benefits
like LMI Waivers or Discounted Interest Rates.
- Your Action: Secure your session via our Online Booking Portal.
Step 2: The Digital Vault (Document Collection)
To move fast, we need a clean "Credit File." Use our secure portal to upload your essentials:
Step 3: The Blueprint (Pre-Approval)
- What happens: We compare over 5 lenders (Major Banks & Specialists) to find
the sharpest professional package.
- The Result: Pre-Approval (valid for 90 days), giving you the green light to bid with confidence.
Step 4: The Green Light (Formal Approval)
- What happens: Once you’ve found a property, we order the valuation and submit for "Unconditional Approval".
- Tech-Driven: Sign your loan offer digitally via secure e-signature platforms.
Step 5: The Handover (Settlement)
- What happens: We coordinate with your solicitor and the bank to manage the transfer of funds via PEXA.
- The Result: Settlement is complete—you get your keys!
Step 6: The Watchdog (Post-Settlement)
Our Promise: Your loan isn’t "set and forget." We provide ongoing services such as Annual Rate Reviews. We keep an eye on property growth to ensure another investment. Regular updates on current property market.
