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Allied Health — Group 2

Exclusive Home Loan Benefits for Physiotherapist / Chiropractors

As a physiotherapist / chiropractor, exclusive home loan benefits including LMI waivers and higher LVR limits.

Up to 90%
LVR Without LMI
$8K–$36K+
Potential LMI Savings
Multiple
Lender Options
Check My Eligibility — Free See Lender Comparison ↓
Registration Body
AHPRA (Physiotherapy / Chiropractic Board of Australia)
Income Requirement
$90,000+ at some lenders
Lender Acceptance
Accepted by 2-3 of 4 major lender categories

How Different Lenders Treat Physiotherapist / Chiropractors

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 ❌ Not eligible N/A Physiotherapists/chiropractors excluded from professional package.
Certain Lenders ❌ Not listed N/A Not specifically listed in professional services.
Other Lenders 90% 90% Group B. Min income $90K required.

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

Check Your Physiotherapist / Chiropractor 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 physiotherapist / chiropractors 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 physiotherapist / chiropractor home loan benefits

Do all lenders accept physiotherapists and chiropractors? +
No — only about half of major lender categories include physios and chiropractors. Some specifically exclude them. Without a broker, you might apply at a lender that doesn't recognise your profession and pay full LMI.
What's the maximum LVR without LMI? +
Typically 90% LVR without LMI at the lenders that accept physiotherapists and chiropractors. The 95% tier is generally reserved for doctors, dentists, and surgeons.
Do I need to own my own practice? +
No — you can be employed or self-employed. You just need current AHPRA registration and your primary income from physiotherapy or chiropractic work.
Are osteopaths included? +
Eligibility for osteopaths varies by lender. Some include osteopaths alongside physiotherapists and chiropractors, while others don't. Contact us for a specific assessment of your eligibility.

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