Home Loans for Chiropractors - Brampton Finance
Specialist Mortgage Solutions for Chiropractors
As a chiropractor, your expertise helps people maintain healthier, more active lives. Banks also recognise the value of your profession, which is why many lenders extend their medico home loan policies to chiropractors. This means you may qualify for a home loan up to 90% of the property value without paying Lenders Mortgage Insurance (LMI) — saving you thousands in upfront costs.
At Brampton Finance, we specialise in helping chiropractors access these benefits and structure their mortgages to suit both personal and professional financial goals.
Why Chiropractors Qualify for Exclusive Lending Benefits
Chiropractors are considered low-risk, high-income professionals. This makes banks more willing to offer lending advantages such as:
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Borrow up to 90% with no LMI
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Access to discounted professional package rates
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Higher borrowing capacity than standard applicants
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Recognition of income from clinics, company or trust structures
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Fast-tracked approval with lender medico teams
How Brampton Finance Helps Chiropractors
We understand the financial circumstances chiropractors often face, including:
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Running your own chiropractic practice
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Balancing self-employed and PAYG income
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Refinancing to take advantage of no-LMI policies
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Structuring loans for investment properties
Our brokers know how to match chiropractors with lenders that offer the most competitive medico lending terms.
Example Scenario
A chiropractor purchasing a $1,000,000 property:
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Standard borrower with 10% deposit → Pays approx. $20,000 in LMI.
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Chiropractor with medico lending → No LMI charged, saving thousands.
Frequently Asked Questions
Can chiropractors get a home loan without LMI?
Yes. Chiropractors are often included in lender medico policies, allowing borrowing up to 90% with no LMI.
Do I need to own my practice to qualify?
No. Both self-employed chiropractors and employed professionals are eligible.
What if I earn through a company or trust?
We work with lenders that recognise complex income structures common in chiropractic practices.
Are chiropractors eligible for discounted mortgage rates?
Yes. Some banks provide special professional rate discounts to chiropractors.
Get Started Today
At Brampton Finance, we understand the unique financial profile of chiropractors and know how to secure the right home loan for your needs.
Office: Level 7, 35 Spring Street, Bondi Junction NSW 2022
Phone: 02 9389 1077
Email: info@bramptonfinance.com.au
Contact us today to explore your options.