Home loans designed for Nurses
Nurses
If you're AHPRA-registered, you could borrow up to 90% with no Lender's Mortgage Insurance. That's not a perk reserved for doctors. It's your policy too.
Trusted by 1,000+ health professionals
Allied Health Policy
Your allied health result
LMI Premium
Waived
Maximum LVR
No LMI required
Accredited with Australia's leading lenders
Most people don't know this
There's a lending policy designed specifically for AHPRA-registered health professionals
Most “medico home loan” content focuses on doctors. If you're a nurse, physio, pharmacist, or paramedic, you'd be forgiven for thinking those benefits aren't for you.
They are.
Through our exclusive allied health lending policy, AHPRA-registered professionals can access benefits that standard lending doesn't offer. Here's what you get.
Your allied health advantage
What our allied health policy means for you
Straightforward benefits. Real numbers. No hidden conditions.
Borrow up to 90% — with zero LMI
Most borrowers at 90% LVR pay $12,000–$20,000 in LMI. Under our allied health policy, you pay $0.
Genuine savings of 10% required for 85–90% LVR. Subject to lender approval and credit criteria.
Your registration is your qualification
If you hold current AHPRA registration, you qualify. No special application. No extra paperwork.
Your policy is the starting point — not your only option
Our allied health policy is often the best fit. We also search 45+ other lenders to find what genuinely suits you.
A dedicated relationship manager — at no cost
Rate reviews, post-settlement support, and future lending — handled by a named person, not a call centre.
Built for your profession
Every AHPRA-registered profession. One policy.
If you hold current AHPRA registration in any of these professions, you're eligible.
Nurses (RN, EN)
You work 12-hour shifts keeping people alive. The least your lender can do is waive your LMI.
Physiotherapists
Hospital or private practice — your AHPRA registration opens the door to better lending.
Pharmacists
Community, hospital, or clinical — no LMI at 90% means you keep more of what you’ve saved.
Paramedics
You respond to emergencies for a living. Your home loan shouldn’t feel like one.
Psychologists
Clinical, counselling, or organisational — your career stability deserves recognition.
Midwives
You help bring new lives into the world. Let us help you build a home for yours.
Occupational Therapists
Hospital, community, or private practice — your AHPRA registration qualifies you.
Radiographers / Medical Imaging
Your expertise in diagnostics is valued by hospitals and by our lending policy alike.
Speech Pathologists
Health, education, or private practice — your AHPRA registration gets you better terms.
Podiatrists
From hospital clinics to private practice — no LMI at up to 90%.
Optometrists
Independent or corporate — your registration means you’re eligible.
Dietitians
Clinical or community-based — if you hold AHPRA registration, you’re in.
Don't see your profession? If you hold current AHPRA registration, you may still qualify. Start the questionnaire and we'll confirm in minutes.
Simple by design
Three steps. No paperwork. Not yet, anyway.
You spend your days looking after other people. Let us look after this.
Tell us about your situation
Your profession, AHPRA status, what you’re looking to do, and a rough budget. No documents needed. Takes about 2 minutes.
We find what fits
We search 45+ lenders and apply your allied health policy benefits to find what genuinely suits your situation.
Move forward with a real person
Choose your option and we handle the application through to settlement. You get a dedicated relationship manager at no cost.
No credit check. No commitment. No paperwork until you decide to proceed.
Real savings, real numbers
What this means in dollars
$16,000
Typical LMI saving
Most borrowers at 90% LVR pay $12,000–$20,000 in LMI. Under our allied health policy, you pay $0.
90%
Maximum LVR with no LMI
Standard lending caps LMI-free borrowing at 80%. Our allied health policy extends it to 90% — you need a 10% deposit instead of 20%.
Figures are indicative and based on general assumptions. All lending is subject to credit approval. Genuine savings of 10% required for 85–90% LVR.
From health professionals like you
They thought the same thing you're thinking
I assumed medico home loans were a doctor thing. I’m an ED nurse — I didn’t think I’d qualify for anything special. Wity got me 90% with no LMI on my first home. I saved $14,000 I didn’t know I could save.
As a physio running my own practice, I thought my income structure would make things complicated. Wity understood it immediately — I didn’t have to explain how practice income works three times like I did at my bank.
I’d been saving for years trying to hit a 20% deposit. A colleague mentioned Wity’s allied health policy. Turns out I only needed 10% — and no LMI. I wish someone had told me sooner.
They didn’t treat me like a second-tier client. My application got the same attention and expertise. The personal RM has been brilliant post-settlement too.
I assumed medico home loans were a doctor thing. I’m an ED nurse — I didn’t think I’d qualify for anything special. Wity got me 90% with no LMI on my first home. I saved $14,000 I didn’t know I could save.
As a physio running my own practice, I thought my income structure would make things complicated. Wity understood it immediately — I didn’t have to explain how practice income works three times like I did at my bank.
I’d been saving for years trying to hit a 20% deposit. A colleague mentioned Wity’s allied health policy. Turns out I only needed 10% — and no LMI. I wish someone had told me sooner.
They didn’t treat me like a second-tier client. My application got the same attention and expertise. The personal RM has been brilliant post-settlement too.
I assumed medico home loans were a doctor thing. I’m an ED nurse — I didn’t think I’d qualify for anything special. Wity got me 90% with no LMI on my first home. I saved $14,000 I didn’t know I could save.
As a physio running my own practice, I thought my income structure would make things complicated. Wity understood it immediately — I didn’t have to explain how practice income works three times like I did at my bank.
I’d been saving for years trying to hit a 20% deposit. A colleague mentioned Wity’s allied health policy. Turns out I only needed 10% — and no LMI. I wish someone had told me sooner.
They didn’t treat me like a second-tier client. My application got the same attention and expertise. The personal RM has been brilliant post-settlement too.
I assumed medico home loans were a doctor thing. I’m an ED nurse — I didn’t think I’d qualify for anything special. Wity got me 90% with no LMI on my first home. I saved $14,000 I didn’t know I could save.
As a physio running my own practice, I thought my income structure would make things complicated. Wity understood it immediately — I didn’t have to explain how practice income works three times like I did at my bank.
I’d been saving for years trying to hit a 20% deposit. A colleague mentioned Wity’s allied health policy. Turns out I only needed 10% — and no LMI. I wish someone had told me sooner.
They didn’t treat me like a second-tier client. My application got the same attention and expertise. The personal RM has been brilliant post-settlement too.
4.9
Average Google rating
1,000+
Health professionals helped
$0
LMI paid by allied health clients
Your questions, answered
Straight answers from people who understand
Ready to see what you qualify for?
Your home loan shouldn't depend on your job title
You keep the health system running. The least your lender can do is recognise that.
Free. No credit check. Takes 2 minutes.
Are you a doctor or dentist?
You may qualify for our doctor & dentist lending policy — which includes additional benefits tailored to medical and dental careers.
The allied health lending policy described on this page is offered through a specialist lending partner and is subject to that lender's credit criteria, terms, and conditions. Eligibility requires current AHPRA registration in an eligible profession and is assessed on a case-by-case basis. The information on this page is general in nature and does not constitute personal financial advice. Wity is the trading name for Wity Pty Ltd ACN 624 943 559 | Authorised credit representative 508333, a related body corporate of NF84 Pty Ltd (NF84), which holds Australian Credit Licence 531736. Wity and NF84 are subsidiaries and related body corporates of NF84 Pty Ltd (ACN 629 183 633).