Home Loans for Physiotherapists

Name: Mortgage Pros
Brand: Mortgage Pros
Rating: 5.0 (830 reviews)

     EXCELLENT  
  1613 reviews

We negotiate a special "Physiotherapists Only" rate for you, backed by a 99.6% approval rate.
Up to 90% Financing! Pay nothing in LMI.
We cover your annual mortgage home loan fees. You won't find better!
Get up to $3,000 cash back with Best Physiotherapists Home Loans
Rates as low as 4.89%

Enquire About Special Home Loans Offers For Physiotherapists

There is no obligation, we'll get back to you within 5 minutes during business hours.

Award Winning Mortgage Brokers For Physiotherapists

Get Special Treatment on Your Home Loan

We Help Physiotherapists Get Home Loan Rates As Low as 5.29% with No LMI

Specialist Interest Rates for Physiotherapists

We negotiate a special ‘Physiotherapist Only‘ rate for you, backed by a 98% approval rate. Our brokers come back to you within just 24 hours with the best deals on the market.

Waived LMI for Physiotherapists

Borrow up to 90% LVR and pay nothing in LMI. We save physiotherapists an average of $18,000 for a 90% LVR, $800,000 home loan.

We Cover Annual Loan Fees for Physiotherapists

We roll out the red carpet for all physios by waiving all annual loan fees, saving you an additional average of $11,850 over the lifetime of your loan!

Cash Back Offers for Physiotherapists

Speak to one of our senior brokers now and get the best cashback offers offered by Australia’s leading banks. Get up to $3,000 in cashback and save!

We Make Home Loans Easy For Physiotherapists

Make An Enquiry

Enquire between 8am to 8pm, Monday to Sunday and we call you back within 5 minutes. Our brokers work around the clock to help you!

Speak With A Broker

We assess your situation, negotiate rates, screen lenders and present you with your best options. We are with you every step of the way!

Loan Approved

You pick the best option that suits you and we get your home loan formally approved! We make the whole home loan process easy!

Our Lenders

We Get Tough Home Loans Approved for Physiotherapists

While not all medical issues may have a cure, our brokers will have a solution for you when it comes to getting the best home loan for physiotherapists.

We have helped hundreds of Australian physiotherapists get the best possible home loan deals in the market. No matter what state you’re in, we can help. We secure the best deals for our clients by combining our vast network of relationships with top Australian lenders and our decades of industry experience.

Our expertise and time come with no-risk. You get the best advice and offers in the market, and we get paid by the bank for making your experience a seamless one. Save time and money by speaking with our senior broker today.

Have questions? We have answers.

What discounts do physiotherapists receive for their home loan

No LMI: Pay nothing in lender’s mortgage insurance which saves you on average $17,000 for $800,000 loan amount when borrowing 90% of the property value.
Special interest rate discounts for the life of the loan: Receive negotiated discounts below the bank’s advertised rate.
Additional cashback offers: Some lenders may offer up to $3,000 in cashbacks to win your business.
Annual fee waiver: If your loan exceeds $1,000,000 you may be eligible for an annual fee waiver. This saves on average $11,850 over the life of the loan.

I am a physiotherapist, do I qualify?

You will need to be currently employed as a physiotherapist.
Unlike other professions who also received LMI, there are no minimum income requirements.
Current AHPRA registration

Why do physiotherapists receive favorable treatment by banks?

Physiotherapists have a statistical track record of paying their home loans on time.
Physiotherapists are regarded as low risk borrowers earning a high income.

What types of physiotherapist income structures are acceptable?

Physiotherapists often have unusual income structures that are not accepted by all banks. You don’t want to be caught out by approaching a bank who won’t accept your income.

Base PAYG salary for permanent part/full time: 100% is accepted
Casual Income: 100% is acceptable. Most banks require 12 months with your current employer however there are a few banks who can consider casual income with as little as 3 months with your employer.
Overtime: A few banks will consider 100% however most banks generally only accept 80%. You will need to be with your employer for at least 3 months.
Allowances: Depending upon the allowance 100% can be considered otherwise generally only 80% is acceptable.
Business income from running your practice: 2 year tax returns are generally required.

Incomes for physiotherapists can be unusual, especially the more specialized you become. Speak to one of our mortgage specialists on 1300 816 770 or enquire online to find out if you qualify.

Why should I use a mortgage broker to help me apply for a home loan?

We can save you time and money by using our expertise and leveraging our relationships with banks to find products tailored to your personal situation. We will consider your objectives and circumstances to provide the ideal recommendations available to you in the Australian lending environment.

The best part is, our services are completely free of charge to you. We are remunerated by the lenders for introducing them quality customers that fit their risk appetite. By also saving the lenders time and resources we create a win-win situation which is what we’re all about.

How do I get started?

Did you know that we have special packages for medical professionals and can negotiate special discounts on your behalf? Speak to our physiotherapist mortgage specialist on 1300 816 770 or enquire online to find out if you are eligible.

Why Aussie Physiotherapists Are Choosing Mortgage Pros

We’ve worked in the banks as the people approving and declining loans so know how to get your loan approved.
Leverage our premium broker status and get faster turnaround times & cheaper interest rates.
We have access to special divisions of the major banks not available to the general public.
We hold your hand the entire way. We’ll keep you updated and walk you through the whole process.
Trained some of the most knowledgeable mortgage professionals in the industry.
Multi award winning mortgage brokerage with all brokers amongst the top 100 mortgage brokers in Australia.

Our Team of Mortgage Specialists.

Access discounted interest rates by speaking with our mortgage specialists.

Physiotherapist Home Loan Case Studies

REBECCA’S GRANNY: 90%LVR WAIVED LMI FOR PHYSIOTHERAPISTS

Profile: Rebecca is a physiotherapist based in Western Sydney and earns $100,000 per annum. She is married, has two kids & owns one home, which is almost half paid off.

Objective: With all the interest rates rising, Rebecca is feeling the pinch. As her home is on a good-sized block, she has decided to build a granny flat which she will rent out and generate passive income to help with the rising rates.

Problem: Rebecca calls her existing bank and starts the home loan process. 4 weeks in, they do a valuation & to her dismay, advise she does not have enough equity and hence they cannot fund the construction of the granny flat!

Solution: Eager to find a solution, Rebecca heads online. There she discovers Mortgage Pros and speaks to one of their senior mortgage brokers. To her surprise, within just 3 weeks, her loan is approved! Mortgage Pros was able to order valuations with all the banks that allow physiotherapists to go to 90%LVR with waived LMI for construction & using the valuation that came back best applied & got approved with them.

Like Rebecca, if your valuation is limiting you from achieving your financial goals, you can always contact one of our mortgage brokers specialising in home loans for physiotherapists by calling us on 1300 816 770 or enquiring online.

MELISSA’S EXPIRING FIXED RATE: SAVE THOUSANDS BY REFINANCING

Profile: Melissa is a physiotherapist based in Melbourne. She purchased her first investment property, about three years ago & also fixed the home loan for three years when interest rates were at all-time lows.

Objective: Melissa’s fixed rate expires and she doesn’t want to pay more than she should. She wants the lowest rate possible after her fixed rate expires.

Problem: Melissa calls her existing bank and to see what rate they will offer her after her fixed rate expires. After frustratingly staying on the phone for over 80 minutes, the best they can offer her is 6.50% which is higher than the advertised rates for new customers!

Solution: After discussing her situation with a work colleague, Melissa is referred to her colleague’s mortgage broker, Mortgage Pros, who specialise in home loans for physiotherapists. They thoroughly analyse her situation & the market to find her the best deal. Melissa refinanced her home loan and was able to:

Get a rate of 6.25% which is 0.25% lower than what her current bank offered her.
Take advantage of the cashback the bank was offering. She was able to obtain a $4,000 cashback.
As her loan amount was over 500k, Mortgage Pros will pay her $395 per annum as long as she keeps the loan with them!

SAMANTHA'S NEW JOB & FIRST PROPERTY PURCHASE

Profile: Samantha is a physiotherapist based in Melbourne and currently earns $90,000 per annum.

Objective: She wants to buy her first home, an apartment, for $600,000, as she will be evicted from her current rental property in the next 90 days.

Problem: Samantha calls her existing bank; she has done all her banking for her entire life. She speaks to one of their home loan consultants and realises as she recently started her job 1 month ago. The bank advises her that she is not eligible for a home loan and must first pass her job’s probation period. As Samantha is being evicted in the next 90 days, this means she will have to move twice in under 6 months if she waits until her probation period ends!

Solution: After discussing her situation with a work colleague, Samantha is referred to her colleague’s mortgage broker, Mortgage Pros, who specialise in home loans for physiotherapists. In less than a week, our senior brokers find her a lender who specialises in home loans for physiotherapists and can accept borrowers on probation as long as they have a 6-month continuous employment track record!

Like Samatha, you too, can be eligible for exclusive home loan deals for physiotherapists. Contact us today and discuss your financial goals with one of our senior mortgage specialists.

What Physiotherapist Say About Us

    EXCELLENT  
  1613 reviews  
 
 
       Posted on Google  
   
   Lloyd Eng 
 2 November 2026
 
 
   I highly recommend Peter’s service! Throughout the process he was very knowledgeable and I could tell he was genuinely committed in trying to help find the best solution for me. He was always responsive and took his time to explain things properly rather than rushing the process which I appreciated, making the entire process stress-free. Thanks for all your help securing me the loan!
  
 
 
     Posted on Google  
   
   Michael Marshall 
 2 November 2026
 
 
   Patrick set everything up for us and made us feel at ease. He was patient with our questions and quick with getting back to us. Would recommend!
  
 
 
     Posted on Google  
   
   Mae Ann Abarabar 
 2 November 2026
 
 
   Our broker, Dustin, is just the best! Thanks to him owning our first home became a reality. He was always available and ready to answer our queries, no matter how silly they must have sounded. He was with us every step of the process and we truly appreciate his assistance.
  
 
 
     Posted on Google  
   
   Angelica B 
 2 November 2026
 
 
   Have nothing but positive things to say about Peter Ha and Mortgage Pros. Peter has an incredible ability to make mortgage and finance talk less scary. He was very personable, approachable, and always willing to field my questions. Having Peter on our side really helped build confidence as we applied for our first mortgage.
  
 
 
     Posted on Google  
   
   Mary Nguyen 
 1 November 2026
 
 
   We cannot thank Dustin enough for all his hard work, dedication and support throughout our home-buying journey!

My partner and I are incredibly grateful to have had him in our corner. From helping us secure the best possible deal as healthcare professionals to navigating the many steps involved in purchasing our property, he consistently went above and beyond to make the process as smooth and stress-free as possible.

We especially appreciated his flexibility and willingness to accommodate our busy work schedules, always making time to answer our questions, provide updates and offer valuable advice whenever we needed it. Dustin’s patience, responsiveness and genuine commitment made such a difference, particularly when navigating what can be an overwhelming process.

Thank you Dustin for always having our best interests at heart and for going the extra mile to help us achieve this milestone. We truly couldn’t have asked for a better broker!

We would wholeheartedly recommend Dustin to anyone looking for a knowledgeable, reliable and genuinely supportive mortgage broker.
  
 
 
     Posted on Google  
   
   m barber 
 30 October 2026
 
 
   Patrick from Mortgagepros was incredible.  Responsive is an understatement! Such a fast clear process, got a great loan and always tgere to hold our hands along the way.  Highly recommend this business and have already referred a couple of people. John and Margo
  
 
 
     Posted on Google  
   
   Thanh Hung Tang 
 30 October 2026
 
 
   Patrick was fantastic to work with. His communication was spot on throughout the entire process—he was always quick to pick up the phone, answer my messages, and keep me updated. Any questions I had, he’d find the info and get back to me.
  
 
 
     Posted on Google  
   
   Dan Koon 
 29 October 2026
 
 
   I can’t thank Dustin enough for all his help and support throughout the mortgage process. His professionalism, knowledge and dedication really made a difference, especially with the interest rate rise coming up. Dustin went above and beyond to help me get everything sorted in time, which gave me real peace of mind during a stressful period. He was always approachable, responsive and genuinely had my best interests at heart. I’m incredibly grateful for his help and wouldn’t hesitate to recommend him to anyone looking for a mortgage broker who truly cares about his clients. Thanks again, Dustin!
  
 
 
     Posted on Google  
   
   Jonathan Tam 
 29 October 2026
 
 
   Great experience overall with Dustin. I liked how he was transparent throughout the whole journey. I’m a new first home buyer and he made it incredible easy and comforting to know what I was getting myself into. As well, he would often be on call (out of hours) when you needed to chat with him or need clarification.
  
 
 
 
 
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