What you need to know
Condensed policy view for allied health so every subpage follows the same rhythm
Who qualifies?
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Pharmacists, Physiotherapists, Psychologists - Up to 95% LVR with AHPRA registration
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Optometrists, Veterinarians, Chiropractors, Osteopaths - Up to 95% LVR with professional registration
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Occupational therapists, Speech pathologists, Podiatrists - Typically 90% LVR
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Minimum income: $90k-$150k total income (varies by lender and profession)
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Australian citizen or permanent resident
Key benefits
95% LVR Available
Most allied health professionals can access 95% LVR with Granite and selected major banks
Wide Coverage
Over 10 different allied health professions are covered across multiple lenders
Practice Owners Welcome
Own your own practice? You're still eligible with business financial statements
Policies, LVR caps and postcodes can change without notice. Use this page as a guide, then confirm exact settings with us before you lodge.
Have your AHPRA registration or professional body membership, current contract, payslips and ID ready. That keeps every profession on the same streamlined checklist so we don't need a separate "application requirements" section.
Lender comparison
Which lenders offer the best packages for allied health?
| Lender | Max LVR | Professions Covered |
|---|---|---|
| Granite Home Loans | 95% | Most allied health (comprehensive list) |
| NAB | 95% | Pharmacists, vets, physios, optometrists, chiros |
| CBA | 95% | Pharmacists |
| Westpac Group | 90% | Most allied health, psychologists confirmed |
| ANZ | 90% | Vets, optometrists, physios, chiros, osteos |
FAQ
Keeping the final section consistent with the other LMI waiver pages
My profession isn't listed - can I still get an LMI waiver?
Possibly! Lender policies vary and new professions are added regularly. If you have AHPRA registration or professional body membership in a health-related field, contact us to check. Some lenders are more flexible than others.
Do I need AHPRA registration or can professional body membership work?
It depends on your profession and the lender. For example, pharmacists can use either AHPRA or Pharmaceutical Society membership with some lenders. Optometrists can use Optometrists Association membership. Check the specific requirements for your profession.
Can I open my own practice with an LMI waiver loan?
LMI waivers apply to home loans, not business loans. However, if you own your own practice, you're still eligible for an LMI waiver on your residential property purchase. You'll need to provide business financial statements showing practice viability.
What's the difference between 90% and 95% LVR options?
At 90% LVR you need a 10% deposit, at 95% you only need 5%. For a $700k property, that's $70k vs $35k deposit. Granite typically offers 95% for most allied health, while major banks offer 90%. Both save you the LMI cost.
I work part-time or contract - am I still eligible?
You can qualify on part-time or contract work if your income meets the minimum threshold (typically $90k-$150k depending on lender). The key is demonstrating consistent, ongoing employment. Some lenders are more flexible than others.