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
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.
