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Allied Health — Group 2

Exclusive Home Loan Benefits for Optometrists

As a optometrist, you're eligible for LMI waivers at multiple lenders — up to 90%+ LVR without paying Lenders Mortgage Insurance.

Up to 90%
LVR Without LMI
$8K–$36K+
Potential LMI Savings
Multiple
Lender Options
Check My Eligibility — Free See Lender Comparison ↓
Registration Body
AHPRA (Optometry Board of Australia)
Income Requirement
$90,000+ at some lenders
Lender Acceptance
Accepted by 3 of 4 major lender categories

How Different Lenders Treat Optometrists

Not all lenders offer the same benefits. Here's how the major categories compare:

Lender Category Max LVR (OO) Investment LVR Key Conditions
Some Lenders 90% 90% Group 2 classification. AHPRA registration required.
Select Lenders 94.99% 94.99% Included in Medico Plus+ offer. Full medical benefits.
Certain Lenders ❌ Not listed N/A Optometrists not specifically listed.
Other Lenders 90% 90% Group B. Min income $90K.

Lender names shown generically. Contact us to find out which lenders match your situation.

Check Your Optometrist Benefits

Free, no-obligation assessment. Find out exactly what you qualify for.

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Why Choose Finance Hub?

We specialise in professional home loans and know exactly which lenders offer the best terms for your profession

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Profession Specialists

We understand the specific lending policies for optometrists and match you with the right lender.

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40+ Lender Panel

Access to all major banks and specialist lenders, ensuring you get the best rate and terms.

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$0 Cost to You

Our service is completely free. We get paid by the lender — not by you.

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Ongoing Review

We review your loan every 6-12 months to ensure you're always on the best deal.

Frequently Asked Questions

Common questions about optometrist home loan benefits

Do all lenders accept optometrists? +
Most major lender categories accept optometrists, but not all. Some classify you in Group 2 medical, others include you in their top-tier Medico package. A broker ensures you're matched with the best option.
Can I get above 90% LVR? +
Yes — at select lenders, optometrists can achieve up to 94.99% LVR without LMI, as they're included in the top-tier medical package. Other lenders cap at 90%. A broker compares all options.
Is there a minimum income requirement? +
Some lenders require $90K minimum income for allied health professionals including optometrists, while others have no minimum. Your broker will find the best match.
I own my own practice — does that matter? +
Practice ownership doesn't affect LMI waiver eligibility. You'll need AHPRA registration and primary income from optometry. Self-employed income assessment may differ from PAYG.

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