Home Loans for Psychologists
Registered psychologists in Australia practise under AHPRA regulation and are recognised in the professional lending programs of a number of lenders — though the availability of specific professional benefits is more limited than for medical doctors or dentists. Tiger Mortgage works with registered psychologists to identify which lenders’ current policies include their profession.
Registration — Chiropractic Board of Australia
Psychologists in Australia must hold current AHPRA registration under the Psychology Board of Australia. Important distinction: this page applies to registered psychologists specifically — not counsellors, psychotherapists, or social workers who are not AHPRA registered under the Psychology Board.
Professional Lending — What May Be Available
A number of lenders on our panel include AHPRA-registered psychologists in their professional lending programs. The availability of LMI waiver options specifically for psychologists varies more than for some other health professions.
Key eligibility distinction: lender professional programs apply to psychologists registered under the Psychology Board of Australia. Other mental health professionals — including counsellors, social workers, and psychotherapists who are not registered under AHPRA — are generally not included in these programs.
All benefits are subject to current lender policy and individual eligibility. We assess your position across our full lender panel and advise you honestly on what is currently available.
Income Structures We Work With
Psychologists work across a variety of income arrangements. Tiger Mortgage works with:
• PAYG employed psychologists in hospitals, community mental health, or corporate settings
• Private practice income (Medicare billing, private billing, or NDIS provider)
• Employee Assistance Program (EAP) contracted work
• Combination of hospital or clinic employment and private practice
Why Tiger Mortgage
Frequently Asked Questions
I'm a registered psychologist — am I guaranteed an LMI waiver?
No — LMI waivers are not guaranteed for any profession. Lender policies vary and change. We assess which lenders currently offer benefits applicable to registered psychologists and advise you on your specific eligibility.
My income includes Medicare bulk-billing — how is this assessed?
Medicare practice income is typically assessed as private practice income and generally requires business financial documentation. The specifics vary by lender — we identify the most favourable assessment approach for your situation.
I'm provisionally registered — am I eligible?
Provisional AHPRA registration is generally not included in professional LMI waiver programs. Full or general registration under the Psychology Board of Australia is the standard requirement for lenders that do include psychologists in their programs.
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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.