Home Loans for Psychologists: 90% LVR with No LMI
- Special discounted interest rates
- Save up to $40,000 over standard loans
- Borrow up to 90% of the purchase price
- Fast home loan approval plus FREE service
- Zero Lenders Mortgage Insurance on loans up to 90% LVR
Find out if you qualify -no obligation!
Why Choose Home Loans for Psychologists?
Psychologists enjoy exclusive benefits with our home loans for psychologists due to their stable, high-demand profession. Here’s why we stand out:
- 90% LVR, No LMI: Borrow up to 90% of the property value without LMI, saving up to $10,000 on a $500,000 loan.
- Low Rates: Access discounted interest rates not available to the public.
- Higher Borrowing Power: Qualify for loans up to $4 million for your psychologist home loan.
- Fast Approvals: Our brokers streamline the process for both new grads and experienced psychologists.
Ready to save thousands on your mortgage? Book in for a Strategy Session Today with Professional Home Loans.
Eligibility for Psychologist Home Loans
To qualify for a Home Loans for Psychologists, you need:
- AHPRA Registration: Be registered with the Australian Health Practitioner Regulation Agency (check at AHPRA).
- Employment: Full-time work as a psychologist for at least 3 months (new grads considered).
- Credit History: Good credit with no defaults.
- Deposit: Minimum 10% deposit (or joint ownership to reduce LMI).
- Self-employed Psychologists need 2 years of financials. Some lenders may accept only 1 year.
Contact us for personalized advice!
How Much Can You Save on a Psychologist Home Loan
Lenders Mortgage Insurance (LMI) is a one-time fee for loans over 80% LVR, protecting the lender if you default. For a $500,000 home, LMI can cost $8,600. Our LMI waiver for Physiotherapist eliminates this up to 90% LVR, saving you thousands—equivalent to years of mortgage payments. Combine this with our low rates, and you could own your home sooner.
| Loan Amount | LMI Premium | Your Savings with Waiver |
|---|---|---|
$300,000 |
$4,100 |
$4,100 |
$400,000 |
$6,900 |
$6,900 |
$500,000 |
$8,600 |
$8,600 |
$600,000 |
$10,800 |
$10,800 |
$700,000 |
$13,500 |
$13,500 |
$800,000 |
$16,100 |
$16,100 |
For a $500K, you would save $8,600 – equivalent to over 4 years of principal payments. Add that with our low rates and you could shave years off your mortgage. Use our Loan Calculator to estimate your savings
How to Apply for Your Psychologist Mortgage
Getting your Home Loan is easy with these steps:
- Check Eligibility: Review criteria and gather documents.
- Contact Us by Booking for a Strategy Session or Call 1300 55 44 97
- Submit Supporting Document: Provide AHPRA proof, income, and ID.
- Get Approved: We handle lender negotiations and settlement.
Free 30-Minute Finance Strategy Session For Professionals
Discover How To Get Approved With A Lower Interest Rate & Save Up To $40,000 In Fees
FAQs – Psychologist Home Loan
Can new Graduates get a no LMI home loan?
Yes, if AHPRA-registered and employed full-time.
What’s the maximum loan amount?
Up to $4 million, depending on income.
Do I need a 20% deposit?
No, 10% is enough with our 90% LVR option.
Testimonials
Tom has provided us with a very professional service, communicating all the available options to us and in the process he has literally saved us $75k that we would have otherwise paid. Being new the Australian property market it was imperative we found a broker that had the patience to answer the numerous questions we had be it by phone or email and sometimes outside normal working hours and that is exactly what we got from Tom. He certainly goes beyond the call of duty. Keep up the good work, Tom and we will no doubt be back in touch with you in the not too distant future.
Hamilton & Nyari
Finally, we were able to buy our own place in Sydney. THANKS to Michael. We were given the run around by various banks (we had a unique situation and despite good income and stable one, loan wasn't coming easy). When we almost finally gave up, we had nothing to lose and made one last call and it was to Michael. Our hopes were back in two days from there, and had our loan approved with in next few days. We appreciated all the prompt and helpful responses to all of our queries in relation to purchasing with a Temporary Visa. He even made a bank valuation possible in 24 hours or so. If we ever need help again with our finance, Michael will be the first person we would call. Kindest Regards, Anjuli & Kris
Anjuli & Kris Balachandran
Tom, rest assured, when we hear of any of our acquaintances in need of a mortgage you are the one I'll be referring them to. We are very happy to have been working with you, not only because the result is good, but even more since Lisa and I really appreciated your personal touch in our case, your always being available, even for emails late at night and always taking the time to answer our every question. Kind regards, Lisa & Bas
Lisa and Bas
Why Choose Professional Home Loans
Getting a home loan was really simple with Professional Home Loans.
“We went overseas during settlement and it was not a problem for them, everything went smoothly and I’m writing this from my new home! “
Jack Clancy
Well done you made it easy with no BS.
“Couldn’t ask for a better job – until next time (although no time soon, moving was awful). “
Accountant, Mick and Vanessa Renton
No LMI for building home in Sydney as well as 90% LVR no lmi for investment proerpty off the plan in Newcastle.
“Professional Home Loans has provided us with a very professional service, communicating all the available options to us and in the process he has literally saved us $75k that we would have otherwise paid. They certainly go beyond the call of duty. “
Hamilton (Accountant) & Nyari (Doctor) Sydney
Working for QLD Health achieved 90% LVR no LMI at normal rates - From UK. Sunshine Coast, QLD
“We were able to get a loan at a good rate and avoid paying LMI which saved us several thousand dollars that we can now put towards other things. Very helpful and informative about all aspects of the process, not just the loan, which we really appreciated as it made the whole thing a lot easier for us.”
Craig and Louise (Medical Registrars)
On a contracting basis – she got paid roughly 70% of what she billed.
“We assisted Arlyn with a 90% Mortgage with No Lenders Mortgage Insurance payable so she could buy a house and land package Thanks so much. All credits goes back to you as you helped me make all this happen. I couldn’t thank you enough for the job excellently done. “
“You not only got the loan approved on time, but at a better rate! You are professional, honest, dedicated & obviously love what you do-your passion shines through & I look forward to doing all my loans through you from now on!”
Linh