Allied Health
- Essential Worker Finance
Home loans for Alied health workers
Alied health workers do some of the most important work in regional communities. Occupational therapists, physiotherapists, speech pathologists, social workers, dietitians and others. But when it comes to home loans, the system does not always recognise it. Casual arrangements, contract roles, varying employer types, and HECS debt from a degree can all complicate a standard application.
We understand how allied health workers are employed and paid. While profession-specific LMI waivers are not available for all allied health roles through most lenders, there are still significant advantages we can access for you depending on your specific profession and situation.
- What You Can Access
What Alied health Can Access
- Full income assessment including allowances, overtime and penalty rates
- Lenders who understand contract and casual employment in the community services sector
- Government 5% Deposit Scheme access for eligible first home buyers
- Standard no LMI products at 90% LVR through non-profession-specific policies where you qualify
- HECS debt assessed favourably depending on your remaining balance and timeline
- Loan structures suited to public sector and non-government organisation employment
- HECS & HELP Debt
A note on HECS debt
Alied health degrees come with HECS debt. Depending on how close you are to paying it off, we can find lenders who exclude it from their servicing assessment entirely or apply a reduced buffer. This can meaningfully increase what you can borrow.
- What You Will Need
Documents you will typically need
- Two to three recent payslips
- Employment contract or letter confirming your role and employment type
- Last two years tax returns and PAYG summaries
- ATO MyGov HECS statement if applicable
- For contract workers: evidence of ongoing contract history
- How It Works
Our process
- Step One
Free call
to understand your employment setup, income structure and goals.
01
- Step Two
We find lenders
who assess your income fairly and identify the best path.
02
- Step Three
We handle
everything through to settlement.
