Home Loans for Radiographers

Hospital rosters, private imaging work and locum assignments can make a radiographer’s payslip more complex than a single salary figure. Brampton Finance helps you compare home loans by reviewing base pay, variable earnings and employment history alongside your deposit and existing commitments.

We assist radiographers buying a first home, moving, refinancing or purchasing an investment property.

Can radiographers qualify for an LMI waiver?

Eligible radiographers may qualify for a lender’s LMI waiver at up to 90% LVR, with minimum annual income of $90,000. Other conditions apply.

We confirm the occupation and qualification requirements and which income components count. A radiographer and a radiologist are different occupations; do not assume the same professional lending category applies. A waiver does not guarantee approval or a lower rate. Our professional home loan guide explains what to compare.

Base salary, overtime and on-call payments

Recent payslips should show ordinary pay separately from overtime, shift penalties, allowances and on-call earnings. The lender may need year-to-date figures, an employment contract or a longer earnings history to assess the regularity of those payments.

Different lenders can accept different amounts of variable income. We compare policy before using overtime in a borrowing estimate, and discuss whether the repayments would remain manageable if additional shifts reduce.

Locum assignments and several employers

For locum work, explain whether you are paid through payroll, an agency or your own business. Provide the relevant contracts, payment records and dates of each engagement. A high daily rate does not necessarily show the annual income a lender will accept.

If you combine a permanent role with additional private imaging sessions, identify each income source separately. Employment gaps, a new contract or a recent move to casual work can change the evidence required.

Contractors and business owners may need tax returns and financial statements rather than payslips alone. See our self-employed home loan guide for documentation considerations.

Salary packaging and other commitments

Tell us about salary packaging, a novated lease, credit cards, personal loans and any other debts. These arrangements can affect the lender’s view of your income and expenses. We review the actual deductions and obligations rather than simply using net pay or gross salary.

Considering a vehicle arrangement as well as a property purchase? Our novated lease guide outlines questions to discuss before committing to a package.

Plan your purchase or refinance

For a purchase, we review buying costs and the deposit available after those costs. Our first home buyer guide explains the starting steps. Conditional approval still requires the lender’s final assessment and acceptance of the property.

For refinancing, compare the rate and any LMI benefit with valuation requirements, fees and the proposed remaining term. If you are buying an investment property, expected rent and your existing portfolio also need to be assessed.

Speak with Brampton Finance

Have your role and qualifications, payslips or contracting records, deposit or equity and intended loan amount ready. We will review suitable options and explain the application requirements. Approval and professional benefits remain subject to lender policy and credit assessment.

Discuss your radiographer home loan or call 02 9389 1077. For related information, see home loans for sonographers or return to all professional home loans.