Brampton Finance – Home Loans for Physiotherapists
Specialist Mortgage Solutions for Physiotherapists
As a physiotherapist, your career is built on helping people recover and perform at their best. Lenders recognise the stability and value of your profession, which is why many banks — including Westpac, ANZ, and CBA — offer exclusive medico lending benefits to physiotherapists. This means you may be eligible for a home loan up to 90% of the property value without paying Lenders Mortgage Insurance (LMI) — saving you tens of thousands in upfront costs.
At Brampton Finance, we help physiotherapists access these benefits and tailor mortgage solutions that fit your career, income structure, and property goals.
Why Physiotherapists Qualify for Exclusive Lending Benefits
Physiotherapists are considered low-risk, high-earning professionals by lenders. Whether you work in private practice, run your own clinic, or are employed in healthcare, banks often provide:
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Borrowing up to 90% with no LMI
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Competitive discounted interest rates
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Higher borrowing capacity than standard applicants
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Recognition of income from private practice, company or trust structures
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Faster loan processing with priority assessment teams
How Brampton Finance Helps Physiotherapists
We understand the unique financial situations physiotherapists may face, such as:
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Balancing PAYG income with private practice or self-employed earnings
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Running a physiotherapy clinic with company or trust structures
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Seeking to expand a property portfolio alongside business growth
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Refinancing to access no-LMI lending benefits
Our brokers compare lender policies across the major banks and specialist lenders to find the right mortgage fit for your circumstances.
Example Scenario
A physiotherapist purchasing an $850,000 home:
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Standard borrower with 10% deposit → Pays approx. $17,000 in LMI.
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Physiotherapist under medico policy → No LMI charged, saving thousands upfront.
Frequently Asked Questions
Can physiotherapists get a home loan with no LMI?
Yes. Many lenders extend medico lending benefits to physiotherapists, allowing up to 90% borrowing without LMI.
Do I need to run my own practice to qualify?
No. Both employed physiotherapists and self-employed clinic owners can qualify.
What if I have mixed income from PAYG and business?
Lenders recognise varied income structures common among physiotherapists, and we know which banks are most flexible.
Are physiotherapists eligible for discounted rates?
Yes. Some lenders provide special interest rate discounts for professionals like physiotherapists.
Get Started Today
At Brampton Finance, we know how to structure physiotherapist mortgages to maximise your lending power and minimise upfront costs.
📍 Office: Level 7, 35 Spring Street, Bondi Junction NSW 2022
📞 Phone: 02 9389 1077
📧 Email: info@bramptonfinance.com.au
Contact us today to discover your options.