Home Loans for Chiropractors in Australia
Home Loans for Chiropractors
Professional home loan packages with better rates and LMI waivers. Whether you're a practice owner with variable income, an associate managing HECS debt, or building your portfolio, we find lenders who understand chiropractors.
Up to 90% LVR
LMI Waived
0.20-0.70% off
Rate Discounts
5/5 Based on 180+ reviews
Elite Broker Winner 2024 & 2025
Ready to Get Started?
Book a free consultation and discover your exact savings
LMI Waived (Save $15k-$30k)
Borrow up to 90% with no LMI cost
Lower Rates (0.20-0.70% off)
Professional package rate discounts
No Credit Check Required
Free consultation won't affect your score
Takes 2 minutes • No obligation • Free service
Professional Home Loan Packages For Chiropractors
These packages recognise that healthcare professionals are lower-risk borrowers because of stable careers, professional qualifications, and strong earning potential.
LMI Waivers
Some lenders waive LMI for chiropractors borrowing up to 90% of the property value. LMI is typically required for deposits under 20%. On an $800,000 property with a 10% deposit, LMI could cost $15,000 to $30,000. Waiving it means you can buy sooner without needing to save that extra amount.
Rate Discounts
Most lenders offer chiropractors discounted interest rates (typically 0.20% to 0.70% below standard rates). On a $600,000 loan, even a 0.30% discount saves you around $1,080 per year, or $32,400 over a 30-year loan.
Eligibility Criteria for Exclusive Package
These attractive benefits come with specific eligibility criteria, which vary by lender. Understanding these factors is crucial for securing the best professional home loan package.
AHPRA Registration
You typically need to be registered with AHPRA (Australian Health Practitioner Regulation Agency).
Employment Status
Most lenders require you to be working full-time or close to it, demonstrating stable income.
Minimum Income
You will need to meet specific minimum income requirements, which vary by lender.
Practice Owners vs Associates
Different Pathways
Both can access professional packages, but documentation and assessment differ.
Associate Chiropractor
PAYG
Income Docs
Payslips, tax returns, employment contract
Assessment
Base salary + allowances at 80-100%
Main Challenge
HECS/HELP debt reducing capacity
How We Help
Find lenders who assess HECS favourably, which can increase your borrowing capacity by $30k-$50k.
Practice Owner
Self-Employed
Income Docs
Tax returns, financials, BAS, business bank statements
Assessment
Net profit + add-backs (depreciation, expenses)
Main Challenge
Tax minimisation, variable income, proving serviceability
How We Help
Match with lenders who manually assess, accept low-doc options, and are most likely to approve your application and offer the best rates.
Not Sure Which Category You Fall Into or How It Affects You?
Book a quick call and we'll explain your specific situation
Book Your Free ConsultationCommon Scenarios We Help Chiropractors With
Every chiropractor's situation is different. Here's how we help.
First Home Buyers with HECS Debt
$40k-$80k debt balance
HECS debt reduces borrowing capacity, but we find lenders who assess it more favourably.
Result:
Borrow $30k-$50k more + potential LMI waiver with a 10% deposit
Practice Owners with Variable Income
Tax-minimised earnings
Your taxable income doesn't reflect what you actually earn. We know which lenders understand this.
Result:
Manual assessment with add-backs + low-doc options available
Buying an Investment Property
Building your portfolio
Some lenders extend professional package benefits to investment loans for chiropractors.
Result:
Professional rates + LMI waivers + correct tax structure
Refinancing to a Better Rate
Paying too much?
If you didn't use a professional package originally, you might be paying 0.50% to 0.80% extra.
Result:
Calculate true savings + handle all paperwork
How We Help Chiropractors
Get Approved
We're mortgage brokers based in Sydney, and we specialise in home loans for professionals, including chiropractors. Here's what that means for you.
We'll be with you at every stage. No need to figure it out alone!
01
We Compare 40+ Lenders
If you go directly to one bank, you only see what that bank offers. We compare over 40 lenders, including the major banks, specialist lenders, and credit unions. Some lenders have better professional packages for chiropractors. Some assess practice owner income more favourably. Some have higher borrowing capacity for applicants with HECS debt. We know which lender is most likely to approve your specific situation and offer the best rate.
02
We Handle The Paperwork
You're already busy running a practice or working long hours as an associate. We collect the required documents, complete the applications, liaise with lenders, and manage the process from pre-approval through to settlement. You stay updated on progress, but we do the heavy lifting.
03
We Meet When It Suits You
We offer virtual consultations via Zoom or phone, or face-to-face meetings in Sydney if you prefer. Most initial consultations take 15 to 20 minutes. We explain your options, answer your questions, and you decide if you want to proceed. No pressure, no obligation.
04
Our Service Costs You Nothing
We're paid by the lender when your loan settles, which means you don't pay us anything. We'll tell you upfront which lender pays us what, so there are no surprises. If we don't think we can help, or if you're better off going directly to a bank, we'll tell you that too.
Ready to see what you qualify for?
Book a free 15-minute consultation. We'll explain your options with zero obligation to proceed.
Book Your Free Consultation
