The exact profession matters
I check the lender's occupation definition, not just the broad allied health label.
What I check
- Exact occupation: for example physiotherapist, pharmacist, psychologist, veterinarian, optometrist or another health profession.
- Registration: AHPRA status or the professional membership the lender's policy requires.
- Work structure: permanent, part-time, contract, sole trader or practice owner.
- Income: amount, history, consistency and the evidence the lender will accept.
- Loan and property: requested LVR, total lending, purpose, property type, location and valuation.
What a current check can show
Your occupation is covered
A current lender policy may recognise the exact profession and registration, subject to the rest of the application.
The policy has extra conditions
The lender may impose an income floor, experience requirement, lower LVR or restrictions for a particular property or income type.
A standard loan is more realistic
If no current waiver fits, I compare the ordinary deposit and LMI pathways rather than presenting a waiver as available.
Why I do not publish a lender table: allied health occupation lists can be narrow and can change. Maximum LVRs, income rules, property exclusions and loan caps also vary.
I check the live policy for your exact title and evidence, then compare that option with the overall loan cost and structure.
Documents worth having ready
The lender may need different evidence depending on how you work.
Professional evidence
Current registration and any professional membership relevant to your exact occupation.
Employment evidence
Recent payslips and a contract, or business financials and tax returns if you own a practice.
Deposit evidence
Savings, equity, gift or other acceptable funds, plus an allowance for purchase costs.
The whole position
Existing debts, limits, expenses, identification and details of the property or price range.
Common questions
My profession is not listed. Can it still be considered?
Possibly. Lenders use their own occupation lists and definitions. I check your exact role and registration against current policies rather than relying on a broad website list.
Does professional membership work instead of AHPRA registration?
It depends on the occupation and lender. Some policies specify AHPRA registration, while others may accept a named professional body. The required evidence must be checked before applying.
Can a practice owner be considered?
Potentially. The waiver policy and the assessment of business income are separate checks. The lender may require financial statements, tax returns and evidence of trading history.
Can part-time or contract income be used?
It may be accepted, but the lender will assess consistency, history and ongoing employment. A waiver does not override the normal income assessment.
Does an LMI waiver make a smaller deposit safe?
It removes one potential cost only if approved. A smaller deposit can still mean a larger loan and less equity, so I look at repayments, buffers and the full structure.
General information only. Lender policies and lending criteria change. Any waiver, LVR, loan amount, pricing and approval outcome depends on the lender's current policy and your complete application.
Still working it out? See how the process works, step by step, or browse the common questions.