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Allied Health — Group 2

Exclusive Home Loan Benefits for Psychologists

As a psychologist, 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 ↓

How Different Lenders Treat Psychologists

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	❌ Not eligible	N/A	Psychologists explicitly excluded from professional package.
Select Lenders	❌ Not eligible	N/A	Psychologists not listed in Medico or Professional offers.
Certain Lenders	❌ Not listed	N/A	Not specifically listed.
Other Lenders	90%	90%	Group B. Min income $90K. ✅ Accepts psychologists.

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

Check Your Psychologist 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 psychologists 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 psychologist home loan benefits

Do many lenders accept psychologists? +

Unfortunately, most major lenders do NOT include psychologists in their professional packages. Only one major lender group specifically lists psychologists as eligible. This makes using a broker absolutely essential — without one, you'd almost certainly pay full LMI.

Are clinical psychologists and general psychologists treated the same? +

For LMI waiver purposes, both clinical and general psychologists registered with AHPRA are eligible at the lenders that accept psychologists. Your specific endorsement area doesn't change your eligibility tier.

I'm in private practice — does that affect eligibility? +

Private practice doesn't affect your LMI waiver eligibility, but it does affect how your income is assessed. As a self-employed psychologist, you may need to provide business financials. The LMI waiver benefit still applies with AHPRA registration.

What if I also do academic/teaching work? +

Your primary income should be from psychology practice for the professional package. If you split your time between clinical work and academia, the lender will assess whether psychology is your primary profession. A broker can help present your application optimally.