Brampton Finance – Home Loans for Psychologists
Specialist Mortgage Solutions for Psychologists
Psychologists provide essential mental health services, and lenders recognise the stability and professionalism of your career. Because of this, many banks extend their medico lending policies to psychologists. 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 structuring home loans for psychologists, whether you’re a salaried professional, in private practice, or balancing multiple income streams.
Why Psychologists Qualify for Exclusive Lending Benefits
Like other health professionals, psychologists are considered low-risk borrowers. This makes lenders more willing to offer benefits such as:
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Borrow up to 90% with no LMI
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Access to discounted professional interest rates
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Higher borrowing power than standard applicants
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Recognition of private practice, company or trust income
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Priority processing with specialised lending teams
How Brampton Finance Helps Psychologists
We understand the varied ways psychologists earn and manage income:
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Employed psychologists with hospital or clinic roles
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Private practice owners managing business income
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Those combining PAYG and self-employed earnings
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Professionals looking to refinance or invest in property
Our brokers know which lenders offer the most favourable policies and how to structure your application for maximum benefit.
Example Scenario
A psychologist buying a $900,000 home:
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Standard borrower with 10% deposit → Pays approx. $18,000 in LMI.
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Psychologist with medico lending → No LMI charged, saving thousands.
Frequently Asked Questions
Can psychologists get a home loan without LMI?
Yes. Many banks include psychologists under their medico lending policies, allowing up to 90% borrowing with no LMI.
Do I need to run a private practice to qualify?
No. Both employed and self-employed psychologists are eligible.
What if I have both PAYG and practice income?
We work with lenders who accept mixed income structures common among psychologists.
Do psychologists qualify for discounted mortgage rates?
Yes. Some lenders provide rate discounts under professional home loan packages.
Get Started Today
At Brampton Finance, we understand the unique financial profile of psychologists and know how to secure the best lending solutions.
📍 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 mortgage options.