Home Loans for Physiotherapists
Physiotherapy is a regulated health profession and a number of Australian lenders recognise AHPRA-registered physiotherapists in their professional lending programs. Tiger Mortgage works with physiotherapists across all practice settings to identify which lenders’ current policies are most suitable for their income structure and borrowing goals.
Registration — Physiotherapy Board of Australia
Physiotherapists must hold current AHPRA registration under the Physiotherapy Board of Australia. This registration is required to practise physiotherapy in Australia.
Professional Lending — What May Be Available
A number of lenders on our panel include eligible AHPRA-registered physiotherapists in their professional lending programs, which may provide access to LMI waiver options or competitive rate packages.
The range of lenders offering specific professional benefits for physiotherapists may be narrower than for some other health professions — making it important to work with a broker who can identify which lenders on their panel currently extend these benefits to your profession.
All benefits are subject to lender policy and individual eligibility. Policies vary and may change without notice.
Income Structures We Work With
Physiotherapists work across a variety of income arrangements.
Tiger Mortgage works with:
- Permanent PAYG employment in hospitals, community health, or private clinics
- ABN-based contracting for sporting clubs, corporate clients, or NDIS providers
- Private practice ownership (sole trader, company, partnership, or trust)
- Combination of employed and private practice income
- NDIS provider income
Why Tiger Mortgage
Frequently Asked Questions
Do physiotherapists get the same professional lending benefits as doctors?
Not necessarily — the range of lenders offering professional LMI waiver policies for physiotherapists is generally smaller than for doctors or dentists. However, a meaningful number of lenders on our panel do include eligible physiotherapists in professional programs. We assess which currently apply to you.
My income includes NDIS client fees — how is this treated?
NDIS income paid to an ABN is typically assessed as self-employed income, with documentation requirements varying by lender. We identify the lenders best suited to your specific income arrangement.
I'm thinking of purchasing practice premises — can Tiger Mortgage assist?
Yes — commercial property purchases are a separate product to residential lending. See our Business & Commercial Property Loans page for more information.
Book a Free Consultation
Contact Tiger Mortgage to discuss your situation and explore the home loan options available to physiotherapists. There is no cost for an initial consultation — we are paid by lenders only when a loan settles.
Also see: home loans for chiropractors | home loans for podiatrists | medical professionals — see our other professional lending pages
General information only — this page does not constitute financial advice, credit advice, or a recommendation of any particular product. All information is subject to change without notice.
Loan eligibility, interest rates, LMI waiver availability, and other lending conditions are determined by individual lenders based on their current credit policies and your personal circumstances. Lender policies may change at any time. Tiger Mortgage makes no representation that any particular product, rate, or benefit will be available to you.
Tiger Mortgage Pty Ltd holds Australian Credit Licence 389087. Raymond Liao holds Credit Representative Number 532909 authorised under ACL 389087.
Mortgage brokers receive remuneration from lenders in the form of upfront and trail commissions when a home loan is settled. A commission disclosure will be provided to you before any credit assistance is given.
We recommend you seek independent financial, taxation, and legal advice appropriate to your personal circumstances before making any financial decision.