Allied Health Day 2025: Real Impact. Real Support.
- Healthcare Home Loans
- Oct 14
- 3 min read
Every year, Allied Health Day celebrates the professionals behind some of the most life-changing patient outcomes - from rehab and recovery to mental health and mobility.
With over 300,000 Allied Health Professionals across Australia, this is the second-largest and one of the most vital workforces in our health system.
At Healthcare Home Loans, we proudly serve Allied Health workers by offering tailored lending strategies and industry-exclusive benefits. And today, we’re celebrating that by sharing a real story of what’s possible when healthcare professionals get the right advice.
How a Self-Employed Physio Bought Her $850K Investment Property with 10% Deposit
Meet Tara - a Sydney-based physiotherapist who had recently transitioned into self-employment, operating under her ABN. Her goal was clear: buy her first investment property in Melbourne and start building wealth.
But after reaching out to multiple banks and brokers, she was hit with the usual roadblocks:
“You need two full years of ABN income.”
“We can’t use your income yet.”
“Out-of-state investment? Not with us.”
“It was starting to feel like a dead-end. No one could give me a straight answer.”
The Traditional Lending Barrier for Allied Health Professionals
Tara was told she'd need:
20% deposit: $170,000
LMI cost: $20,925.43
Stamp duty: ~$48,000
Other fees: ~$4,500
Total upfront cost: $243,425+
And worse, she was told she could only borrow $400K - far below what she needed.
This is a common story for self-employed AHPs: lenders often don’t understand ABN income, mixed income streams, or out-of-state investment goals.
The Healthcare Home Loans Solution
In a 30-minute strategy call, Tara’s plan was back on track.
We:
Used her 12-month ABN income (no need to wait 2 years)
Matched her with a lender that specialises in healthcare workers
Secured a 10% deposit investment loan with waived LMI
Helped her borrow $765,000
Locked in a competitive 5.72% investment rate
introduced trusted Melbourne conveyancers to streamline the process
Final Figures - and a Smarter Path to Property
What she paid:
Deposit: $75,000
Stamp duty (VIC): $48,280.10
Other fees: $4,500
Total upfront cost: $137,780.10
LMI saved: $20,925.43Funds left in offset: $22,219.90
Instead of draining all her savings and waiting 2 years, Tara secured the investment - and kept liquidity for her business and lifestyle.
Home Loans Built for Allied Health Professionals
Whether you’re:
A physio running your own practice
An OT juggling part-time roles
A radiographer on contract
A speech pathologist with mixed PAYG + ABN income
We’ll help you:
Use 12 months ABN income (if eligible)
Access LMI waivers and discounted rates
Maximise borrowing capacity with the right lenders
Build a custom property finance strategy
“I just wish I’d spoken to you first. It would’ve saved me six months of stress.”
Frequently Asked Questions
Can Allied Health Professionals get LMI waivers?
Yes - many healthcare professionals, including physios, OTs, and radiographers, qualify for waived LMI with select lenders. This can save $10K–$30K+.
Can I get a home loan with less than 2 years ABN income?
Yes - some lenders accept just 12 months of ABN income, especially for healthcare workers. We specialise in navigating these policies.
What if I work part-time or across multiple clinics?
We work with over 50 lenders and understand mixed income types (PAYG + ABN, multiple roles, variable hours). We can help you structure your application for maximum success.
Celebrate Allied Health Day with Confidence
Tara’s story is proof: you don’t have to wait. With the right lending strategy, Allied Health Professionals can achieve financial goals now - not “one day.”
If you're ready to explore your options, let’s talk.
Comments