FAQ's

Yes. Frequent changes are common in aged care. As long as you have consistent work history, we can help show your employment stability - even across multiple providers or short contracts.

Yes. As long as one applicant qualifies under our allied health lending criteria, we can structure the loan so both of you benefit from favourable terms like waived LMI and tailored repayments.

Yes. We assist many allied health workers on 482, 491, and other skilled visas. Your visa type, employment status, and future pathway to PR are all considered when assessing your eligibility.

It can, but some lenders take a lighter approach when assessing HELP debts for allied health professionals, especially if your income has a strong upward trajectory.

Yes. If you're moving into a new role, transitioning to private work, or receiving a scheduled pay rise, we can use that income to structure your loan with a higher borrowing limit, before it's reflected in your bank account.

Yes. If you're ready to invest in a space for your allied health business, we offer commercial loan options tailored to healthcare professionals, with competitive rates and flexible term

Not always. If you're provisionally registered or have secured employment, we can often get you conditionally approved based on your career pathway and future earning capacity.

Yes. If you anticipate income changes, we can build flexibility into your loan, through offset accounts, redraw features, or split loans, to support financial stability during transitions.

Not necessarily. As a self‑employed dentist or practice owner, you may need to provide business income documentation (such as tax returns or BAS statements). We work with lenders who understand dental practice income structures and can present your case appropriately.

Dental professionals often qualify for specialist lending benefits such as: higher borrowing limits, waived or reduced Lenders Mortgage Insurance (LMI), lower deposit thresholds, and priority/fast‑track approvals given the perceived low risk and high income potential of the profession.

Yes. Whether you’re buying your first home, upgrading to your next home or acquiring an investment property, as a dental professional you may still access specialist packages and favourable terms that reflect your profession. We’ll assess your goals, income structure and loan strategy accordingly.

Yes. Many lenders provide higher Loan‑to‑Value Ratio (LVR) options for dental professionals and may waive LMI at 90% LVR or higher, subject to lender criteria. We’ll review your full profile, income, debts, career stage, and tailor the loan experience accordingly.

Absolutely. We don’t just handle residential home loans, we also support dentists seeking commercial finance to grow or upgrade their dental practices. We’ll match you with lenders familiar with dental business finance and structure a solution that aligns with your practice goals and personal lending needs.

Having student debt or recent job movement does not automatically disqualify you. For dental professionals, lenders are prepared to consider upward income trajectory, signed contracts, and the low‑risk nature of the profession. We’ll work to ensure your full financial picture (including debt and career path) is optimally presented.

Yes. If one applicant meets the dental‑professional criteria, we can structure the loan so both of you access tailored benefits (e.g., favourable rates, LMI waiver) while meeting the joint application requirements.

Book a discovery call with our senior lending specialist. We will:

– Review your career stage, income structure and property goals

– Explain the exclusive benefits available to dental professionals

– Build a loan strategy that supports your personal and practice goals

– Manage the paperwork and liaise with lenders so you can focus on your dental career.

We regularly support staff in roles such as:

• Medical receptionists and administrators

• Cleaners and maintenance teams

• HR, payroll, or IT professionals working in healthcare or aged care

• Practice managers and facility coordinators

If your role supports a healthcare organisation, we can help.

Yes, completely. We don’t charge you a cent. We’re paid by the lender when your loan settles, and our job is to act in your best interest the whole way through.

Even if you're not in a clinical role, you still receive:

Larger Loan Sizes: Know exactly how much you can borrow, so you can shop with confidence. Expert Guidance: We’ll explain everything in plain language, from pre-approval to settlement. 100% Free Service: We manage the entire process at no cost to you, we’re paid by the lender when your loan settles.

Yes. Many allied health professionals juggle part-time roles, private consulting, or subcontracts. We’ll combine your income sources and present them clearly to maximise borrowing power.

Yes. Your penalty rates, overtime, and allowances can be factored in - if they’re presented correctly. We know how to work with payslips from aged care providers and ensure lenders recognise your full income.

Yes. If you're close to completing supervised practice (e.g., provisional psychologists), some lenders will consider your future income based on an employment contract or registration timeline.

We’ll match you with lenders who understand allied health sole traders and assess income across business and personal accounts, even with seasonal or fluctuating cash flow.

It can, but some lenders take a lighter approach when assessing HELP debts for allied health professionals, especially if your income has a strong upward trajectory.

Great question. If you're planning to run your own practice or move into business ownership, we’ll help assess whether personal, trust, or company structures better suit your long-term financial and asset protection goals.

Yes. If you anticipate income changes, we can build flexibility into your loan, through offset accounts, redraw features, or split loans, to support financial stability during transitions.

Yes. Many allied health professionals, including physios, OTs, psychologists, and others, may be eligible for a home loan with just a 10% deposit and waived Lenders Mortgage Insurance (LMI), helping you get into the market sooner.

Not necessarily. Many allied health professionals work across multiple clinics or casual shifts. We partner with lenders who understand these employment models and can still offer strong approval pathways.

Potentially, yes. Some lenders are flexible with healthcare professionals - especially if you have prior experience in the industry. We’ll help match you with lenders who accept applicants still within their probation period.

If you’re AHPRA-registered and work in healthcare, we likely have options for you.

Commonly included

• Art / Music Therapist (Registered)

• Audiologist

• Chiropractor

• Dietitian / Nutritionist

• Exercise Physiologist

• Genetic Counsellor

• Occupational Therapist (OT)

• Optometrist

• Orthotist / Prosthetist

• Osteopath

• Perfusionist

• Physiotherapist

• Podiatrist

• Psychologist (Clinical and Registered)

• Radiographer / Medical Imaging Technologist

• Sonographer

• Speech Pathologist

Sometimes included

• Dental Hygienist / Therapist / Prosthetist (when not captured under dental stream)

• Medical Scientist / Pathology Technician

• Paramedic (Public sector paramedics occasionally included)

• Pharmacist (Often considered Tier 2 Medico)

• Social Worker (in some rare cases or via government employment packages)

Yes. Refinancing is a powerful tool to reduce financial pressure, especially if you’ve used personal loans for CPD, business setup, or equipment. We can help streamline your finances.

Yes, doctors can be eligible for loans with as little as a 5% deposit and no Lenders Mortgage Insurance (LMI), potentially saving you thousands upfront.

Yes, interns, residents, and registrars are all eligible for LMI waivers, even at the early stages of your medical career.

Absolutely. Specialists such as surgeons, anaesthetists, and consultants may access even more favourable lending terms, including larger borrowing capacity and premium interest rates.

Yes. We assist many doctors on 482, 408, or 186 visas. Eligibility will depend on your visa type, employment status, and income.

Yes, we work with lenders who understand medical income structures, including private practice, locum, and multiple income streams.

Yes, you can. As long as one applicant meets the eligibility criteria, both of you can benefit from waived LMI and tailored home loan solutions.

No, formal association membership isn’t required. Eligibility is based on your profession and registration (e.g. AHPRA), not association status.

Yes. We offer tailored support for land and construction loans, including progress payment structures and fixed-price builder contracts.

Yes. We can help structure your loan through a trust, company, or SMSF if you're looking at advanced investment or tax-effective strategies.

Yes. Some lenders apply more flexible servicing rules for doctors and don’t treat HELP debt as heavily in their assessments helping improve your borrowing power.

Potentially, yes. Higher income can unlock elite lending tiers such as interest rate discounts, premium product access, or priority approval pathways.

Yes. Equity release and loan top-ups are common for doctors building long-term portfolios. We’ll ensure it's structured for cash flow, tax planning, and lending flexibility.

Yes. Debt consolidation is an option when refinancing potentially reducing your monthly repayments and improving cash flow.

Yes. Many lenders will assess your future earning potential, especially if you're an intern, registrar, or soon-to-be specialist. If you’ve signed a new contract, entered a training program, or are nearing fellowship, we can use that projected income to structure a stronger application.

Definitely. If you plan to transition into private practice, consulting, or ownership, we can help structure your loan to maximise flexibility such as interest-only periods, offset accounts, or ownership through trusts. This can support future business lending or protect personal assets.

Yes. We work with lenders who fast-track approvals for medical professionals. This can be a key advantage in private sales or auctions, where timing and certainty matter.

There can be. Some lenders will blend both incomes for a higher borrowing capacity, while others assess one more conservatively. We know how to present complex income structures across public/private settings and ABN or PAYG contracts.

Yes, especially if you plan to build wealth or run a clinic. We’ll work with your accountant to set up lending through a discretionary trust or company to protect your personal assets from business or professional liability.

Yes. Doctors often benefit from loan splitting, offset accounts, and strategic redraws to manage tax efficiency. We’ll help set up your loans to optimise deductible vs. non-deductible debt, especially if you plan to upgrade homes or invest.

Yes. We offer commercial lending options specifically for doctors looking to buy consulting rooms, clinics, or practice spaces. These loans often include higher LVRs and more favourable terms for medical professionals.

Absolutely. We’ve helped many doctors use home equity to fund further training, career moves, or business opportunities without needing to sell their property.

Yes. Lenders that specialise in healthcare understand that medical careers can have non-linear timelines. We can explain your career trajectory and support the application with evidence of future stability.

Yes. If you're on a clear career path with consistent income or a signed training contract, some lenders will consider your future income and fast-track your approval, so you don’t have to wait.

Yes, as a nurse or midwife, you may be eligible for a 10% deposit loan with waived Lenders Mortgage Insurance (LMI), saving you thousands upfront.

No, part-time, casual, and contract nurses may still qualify. We work with lenders who understand variable income structures in healthcare.

Yes, you can buy with a partner who isn’t a nurse or midwife. As long as one of you is eligible, you may still access benefits like LMI waivers, low deposit options, and discounted rates. We’ll structure the loan to suit both of you.

Your borrowing power depends on your income, employment type, and financial history but lenders often allow more flexibility for healthcare professionals. We’ll calculate this for you in your free strategy meeting.

Yes, as a nurse or midwife you may be eligible for tailored benefits such as:

• access to a larger loan with a smaller deposit if required

• waived or reduced Lenders Mortgage Insurance (LMI) under certain lender criteria

• ability to include overtime, shift penalties and allowances when assessing your income

• specialist support from a broker who understands the healthcare sector and your employment style

Absolutely. We recognise the nature of nursing and midwifery roles (shift work, multiple facilities, variable hours). Your employment history and income stability are assessed carefully. We can structure the application so your overtime, regular allowances or multiple contracts are included to maximise your borrowing capacity.

Yes, even if you are newly registered, in a probation period or recently changed roles, we can often get you conditionally approved based on your career trajectory and expected income. What matters is your registration status (via Australian Health Practitioner Regulation Agency), your contract details and your expected earning capacity.

Yes, you can apply jointly. As long as you meet the healthcare‑professional criteria for favourable terms, the loan can be structured so both applicants benefit from the tailored conditions (e.g., waived LMI, flexible repayments) while one applicant qualifies under the nurse/midwife category.

Because many nurses and midwives work shifts, receive penalties, allowances or overtime, we ensure these are included where eligible lenders allow. This can significantly improve your borrowing capacity. We work with lenders who understand the unique income patterns of healthcare professionals.

It may, but generally lenders take a more flexible approach for healthcare professionals. Your HECS/HELP debt will be considered, but if your income is strong and growing (as is often the case for nurses/midwives), we can present a strong case. We will guide you through how this impacts your borrowing power.

Yes, we understand life‑stage changes are common in nursing and midwifery careers (e.g., parental leave, part‑time shifts, return to full‑time). We can build flexibility into your loan with options like offset accounts, redraw facilities or split loans, to help you manage fluctuating income while maintaining home ownership.

Yes, you may be eligible for both your nurse/midwife‑specialty benefits and applicable government home‑buyer schemes (depending on your state/territory). This means you can stack advantages like lower deposit requirements, waived/reduced LMI, first‑home grants or duty concessions. We’ll help you navigate both sets of incentives.

Typically you’ll need:

• Proof of registration/licence via AHPRA as nurse or midwife

• Recent payslips showing shift work, overtime or allowances (if applicable)

• Employment contract or letter stating your role (e.g., full‑time/part‑time/contract)

• Bank statements, tax returns (if relevant)

• Details of any other income (e.g., second job)

• Evidence of savings/deposit source, and living expenses

Yes, while owner‑occupied home loans often get the strongest nurse/midwife incentives (e.g., waived LMI), you may also access investment property loans with favourable terms. We’ll review your full strategy (home vs investment) and recommend the best structure for you.

Healthcare Home Loans are a mortgage broker that specialises in providing home loan solutions to Healthcare Professionals. We offer tailored solutions that take into account the unique financial situations of medical professionals to ensure they get the best possible home loan.

The following medical occupations are eligible for 95% LVR+ LMI waiver with no minimum income requirement:

• Dentists

• General Practitioners

• Hospital-employed Doctors (Intern, Resident, Registrar, Staff Specialist)

• Medical Specialists

The following medical occupations are eligible for our 90% LVR+ LMI waiver with minimum income threshold of $90,000 per annum:

• Audiologists

• Chiropractors

• Midwives

• Occupational Therapists

• Osteopaths

• Physiotherapists

• Podiatrists

• Psychologists

• Radiographers

• Registered Nurses

• Sonographers

• Speech Pathologists

• Optometrists

• Pharmacists

• Veterinary Practitioners

Healthcare Home Loans specialises in loans for all healthcare professionals. Our specialty allows us to access bespoke credit policies with lenders that advantage your position as a healthcare professional. Additionally, we are a platinum broker with major banks, which means we can provide you with priority service and improved processing times for loan applications you submit.

Every lender has their own credit policy i.e. the criteria they check you against to determine how much money you can borrow. Going through a mortgage broker offers you increased choice, which may result in a better interest rate, higher borrowing capacity and lower monthly repayments. A broker will shop around on your behalf to find you a loan based on your individual needs, facilitating the process from start to settlement free of charge.

We’ll need 15 minutes of your time on the phone to understand your goal and financial situation. We’ll then assess the best loan set up for you. If you’re happy with our proposal, we will request required documentation from you to prepare your loan application. From there, we will submit your application to the lender and manage through to settlement. We’ll keep checking in with you annually after you settle to see if you need any further help (i.e. renovations) or there is a better value offer you can refinance to.

Mortgage brokers are remunerated by the banks through commissions. By law, this fee cannot be built into consumer rates or loan fees, so a broker’s service is free for you as the client. Our lender partners all pay the same level of commission, meaning there is no bias towards a certain lender and we will present you with our objective solution.

No. We are an independent broking service.

As a medical professional, you could be eligible to borrow with a 10% deposit and have your Lenders Mortgage Insurance waived. Generally, you will require 20% of property value if you wish to avoid LMI.

If you’re eligible, you may be able to have your LMI waived. We will advise you based on your financial circumstances.

When taking out a mortgage, there are fees and expenses you need to account for in addition to the property cost including mortgage application fees, conveyancing fees, registration fee and many more. If you’d like to find out more information, check out our guide that summarises everything you need to know here.

90 days. If you are still house hunting as the 90 day mark approaches, simply let us know and we will re-apply on your behalf.

Whether you’re completing major renovations, knocking down an existing property or re-building and starting fresh, we can organise a construction loan tailored to your unique situation. Your broking team will talk you through the process carefully and present you with a recommended solution.

No. Healthcare Home Loans does not charge clients a fee for its service.

Whether you’re completing major renovations, knocking down an existing property, or re-building and starting fresh, Healthcare Home Loans can organise a construction loan tailored to your unique situation. Your broking team will talk you through the process carefully and present you with a recommended solution.

Both home loan setups offer unique advantages, and what is better will depend on your situation and objectives. A major benefit of a fixed-rate home loan is certainty. You’ll know exactly what repayments to expect and at what level of interest for a certain period, typically between 1 and 5 years. A variable rate home loan is a loan with an interest rate that may change over time. If you choose this type, you may be able to take advantage of any interest rate decreases over your loan’s term. You can check out our blog here for more information.

Yes, you can apply to multiple lenders with Healthcare Home Loans. However, multiple applications over a short period of time can impact your credit score. It’s best to speak to your broker for the best advice.

Yes, Healthcare Home Loans are able to assist. However, banks will take a 20% shaving and you will also be required to put a larger deposit of around 20%.

Typically, you'll need your last 2 payslips, proof of savings, ID, and any current loan or debt statements. We’ll guide you through each step and help you prepare everything upfront.

With the right documents, pre-approval can happen in 48–72 hours. Settlement timelines depend on your lender and property, but we handle all the coordination to keep things moving quickly.

Yes, many of our lenders count overtime, penalty rates, and casual/agency income. We'll match you with lenders who understand how healthcare workers earn.

Absolutely, we can help you refinance to a better rate, reduce repayments, or roll personal and credit card debt into one manageable loan.

Yes, some lenders will accept newly graduated nurses or those on probation, especially in the healthcare industry. We’ll help present your case in the best light.

Yes, we work with nurses and midwives looking to build wealth through property. We’ll tailor a lending strategy around your career goals and risk profile.

No, our service is free for you. We’re paid by the lender once your loan settles, and we work solely in your best interest.