For registered physiotherapists
Home loans for physiotherapists: buy with 10% down, or 5% at NAB, and no LMI
You've done the degree, the placements and the long clinic days, and now the 20% deposit is what stands between you and the home. If you're a registered physiotherapist, NAB can lend you 95% of the price with no lenders mortgage insurance (LMI), and ANZ and Westpac Group 90%, while CommBank, Bankwest and Suncorp leave physios out of their waivers. And whether you're on a clinic payslip, contracting on an ABN or running your own practice often decides the loan more than the waiver does.
95% lent with no LMI to a registered physiotherapist buying a home at NAB; 90% at ANZ and Westpac Group [1]
3 of 11 lender groups we checked name physiotherapists in their LMI waiver [1][2]
about $11,300 the LMI a waiver saves on a 90% loan for a $600,000 home, on one insurer's card [4]
The physiotherapist home loan guide
Thirty questions physiotherapists ask before they buy, answered from each lender's own policy, with the date we checked it.
Can a physiotherapist get an LMI waiver?
Yes. A registered physiotherapist can get an LMI waiver at three lender groups. NAB waives lenders mortgage insurance up to 95% of the price for a home to live in and 90% for an investment. ANZ and Westpac Group (Westpac, St.George, Bank of Melbourne and BankSA) waive it up to 90%, on principal-and-interest loans [1]. Money Brain checked each one against the lender's own policy.
LMI is insurance the lender takes out when you borrow more than 80% of the price, and you pay for it. LVR, the loan as a share of the property's value, is the number every waiver is written around. On a $760,000 loan at 95% LVR, LMI can run past $34,000 (part 6). The waiver means a physio doesn't pay it.
Which banks waive LMI for physiotherapists?
Three of the eleven lender groups Money Brain checked name physiotherapists in their LMI waiver, each on different terms. Three more leave physios out by name, even though they waive LMI for doctors.
| Lender | Waives LMI for physios? | Who and on what terms |
|---|---|---|
| NAB | Yes, to 95% | Physiotherapists, in its medical practitioners group. AHPRA registration; your main income from the profession; a property up to $4.5 million. 90% for an investment. |
| ANZ | Yes, to 90% | Physiotherapists, in its second medical group with chiropractors, optometrists and vets. Principal and interest, for a home or an investment. No minimum income. Not eligible for 95%. |
| Westpac, St.George, Bank of Melbourne, BankSA | Yes, to 90% | Physiotherapists, in its second medical group. Principal and interest. At least $90,000 gross from your eligible qualifications. |
| Bank First | For healthcare workers, to 90% | First home buyers only. Loans up to $800,000. Not for building. It doesn't list roles, so whether a physio counts is one to confirm with Bank First. |
| CommBank | No | Its medical waiver leaves out physiotherapists by name. |
| Bankwest | No | Its medical waiver leaves out physiotherapists by name. |
| Suncorp | No | Its waiver is for medical practitioners only, and says physios aren't eligible. |
| Macquarie | No | It has withdrawn its professional waiver. |
| ING, AMP | No | LMI applies above 80%. |
| Teachers Mutual Bank group | No | No professional waiver at any of its four brands, Health Professionals Bank included. LMI applies above 80%. |
Every lender here still runs its normal credit tests. The waiver removes LMI, not the assessment of your income, debts and living costs.
What this means for you: a physio has three real choices, and they aren't the same. NAB is the only one at 95%, but it wants your main income to come from physiotherapy. ANZ sets no income floor. Westpac Group wants $90,000. Which one fits depends on your deposit, your pay and how you're paid, not on the headline number.
Why do physios get 90% when doctors get 95%?
Physios get 90% at ANZ and Westpac Group because both lenders put physiotherapists in a second medical group, with other allied health roles, and that group stops at 90%. Their first groups, for doctors and dentists, go to 95% [1]. ANZ's policy says plainly that its physio group isn't eligible for 95%.
NAB is the exception. It lists physiotherapists in the same medical practitioners group as GPs, specialists and dentists, so a physio gets NAB's full 95% for a home [1].
What this means for you: a page about doctors' home loans doesn't carry across to physios. If you've read that "medical professionals get 95%", that's true at only one of the three lenders for you. See home loans for doctors and dentists for how the first groups work.
Which registrations and roles qualify?
The waivers are written around your registration, not your job title.
A registered physiotherapist: named by NAB, ANZ and Westpac Group [1]. NAB asks for current AHPRA registration, so a physio whose registration has lapsed doesn't qualify there.
Keep it current through the application: a lapse, even a short one between renewals, can stop a waiver loan at the point the lender checks it.
Related roles: the policies name physiotherapists. If you work in a neighbouring role, such as exercise physiology or as an allied health assistant, don't assume the physio terms apply; it's a question to settle with the lender before you apply.
Your main income: NAB also wants your main income to come from the profession [1]. A physio who earns more from a gym, a Pilates studio or another business than from physiotherapy may not meet that.
Employed by a federal department: Bankwest's medical waiver leaves physios out, but its government group covers staff of federal ministerial departments at APS6 and above. A physio employed directly by one at that level is worth checking there [2].
If your role isn't named, your path to a small deposit may be the 5% Deposit Scheme (part 24) rather than a waiver.
Is there a minimum income for a physio LMI waiver?
Only one of the three physio waivers has an income floor. Westpac Group asks for at least $90,000 gross from your eligible qualifications, added up across your jobs if you work more than one. A partner's income doesn't count toward it. ANZ sets no minimum income for its professional waivers. NAB's conditions, as we hold them, are registration and earning your main income as a physio, with no dollar figure [1].
| Lender | Income test | What it means |
|---|---|---|
| ANZ | No minimum income | A first-year or part-time physio can still meet the waiver itself |
| NAB | No dollar figure in its conditions; your main income must come from the profession | The test is where your income comes from, not how much |
| Westpac Group | At least $90,000 gross from your eligible qualifications | Your own pay across your physio jobs; a partner's income doesn't count |
What this means for you: the floor matters most early in a career, or when you work part-time. A physio on less than $90,000 doesn't clear Westpac Group's floor, but can still meet ANZ's and NAB's conditions, subject to their normal assessment. A physio splitting time between a hospital and a private clinic can add both to reach Westpac Group's $90,000.
What the waiver is worth, in dollars
The waiver is worth the LMI you'd otherwise pay. Here's what LMI would cost on a home to live in, from one insurer's published rate card [4]. At NAB, ANZ or Westpac Group, a physio borrowing 90% doesn't pay the 90% column. Only at NAB does a physio borrowing 95% skip the 95% column.
| Home price | Deposit at 10% | LMI at 90%, about | LMI at 95%, about |
|---|---|---|---|
| $600,000 | $60,000 | $11,300 | $19,400 |
| $800,000 | $80,000 | $19,300 | $34,800 |
| $1,000,000 | $100,000 | $24,100 | $43,500 |
These are illustrations from one rate card, not quotes. Your premium depends on the insurer, the loan and the lender.
What this means for you: on an $800,000 home, going from 90% to 95% adds about $15,500 of LMI without a waiver, for $40,000 more of borrowing. At NAB that step costs a physio nothing in LMI. At ANZ and Westpac Group it isn't on offer, so the real choice there is 10% down with no LMI, or 5% down and paying it.
5% or 10% deposit: which lenders fit a physio?
With a 5% deposit, one lender waives LMI for a physio buying a home: NAB. With 10%, three do. That matters because the lender with the waiver isn't always the lender that fits your income, your structure or your plans.
| Deposit | Lenders that waive LMI | Worth knowing |
|---|---|---|
| 5% | NAB, for a home to live in | Your main income must come from physiotherapy; a property up to $4.5 million |
| 10% | NAB, ANZ, Westpac Group | Westpac Group needs $90,000 from your qualifications; Bank First for a first home up to $800,000, if it counts you as a healthcare worker |
| 20% | Every lender | No LMI applies at 80% or less, so the waiver isn't needed |
A 10% deposit also lets you choose on the rest of the loan, such as the rate, the features and how the lender reads your pay, rather than on the waiver alone.
Clinic employee, contractor or practice owner: how lenders see you
An employed physio, a contractor and a practice owner are three different applications to a lender, even on the same income. The waiver depends on your registration. What you can borrow depends on how you're paid, and physiotherapy uses all three.
| How you're paid | What the lender reads | History usually wanted |
|---|---|---|
| Employed, in a clinic or a hospital | Payslips and your employment contract | Time in the job (part 17) |
| Contractor to a clinic, on an ABN | Your tax returns, read as self-employed income | Usually two years of returns |
| Practice owner | Your tax returns and the practice's financial statements | Usually two years |
What this means for you: two physios in the same clinic, seeing the same patients, can get different answers. The one on payroll shows payslips. The one contracting on a share of billings shows tax returns, and if the arrangement is new, there may not be enough of them yet.
Hospital physios: overtime, weekend rates and allowances
Lenders count 80% of a physio's overtime unless a special rule lifts it, because overtime can stop. Some lenders count 100% for workers in named essential services, and those lists are written around specific jobs. We hold no lender rule that names physiotherapists in them, so plan on 80% unless the lender confirms otherwise [6].
| Lender | Overtime | Penalties and allowances |
|---|---|---|
| Westpac Group | 80%. Its 100% rule for hospital staff names nurses, midwives, doctors, surgeons and specialists, not physios | 80%, under the same rule |
| NAB | 80%, averaged over the last 180 days | Shift penalties in full as base pay for permanent staff on regular hours; recurring allowances in full |
| Bankwest | Its 100% rate is for named essential-industry workers; 80% otherwise | — |
| Macquarie | Its 100% rate is for essential services; 80% otherwise | Shift allowances in full where they're a condition of the job |
| ANZ | 80% | Ongoing allowances in full, not higher duties or one-off payments |
| ING | — | Allowances counted up to 25% of base pay |
What this means for you: if weekend, on-call or overtime pay is a real part of your income, the lender you pick changes what counts. A lender that counts 80% of $10,000 of overtime counts $8,000; one that counts 100% counts all $10,000. Bring payslips that show each penalty and allowance on its own line.
Salary packaging in a public or not-for-profit hospital
Physios employed by public and not-for-profit hospitals, and by public ambulance services, can package up to $17,000 a year of their pay without fringe benefits tax. At public benevolent institutions and health promotion charities, the cap is $30,000. Both are grossed-up amounts, per employee [8].
Packaged pay is tax-free, so the same pay can leave you more to repay a loan with. Some lenders count that tax-free part as income in its own right, which can raise what you can borrow. Lenders don't all treat it the same way, and some lenders' packaging rules are written for named health jobs that we haven't confirmed include physios, so they aren't shown here:
| Lender | How packaging is counted |
|---|---|
| NAB | Added back as tax-free income, up to $970 a month, for employees of FBT-exempt employers |
| Westpac Group | Added back in full |
| ANZ | Added back untaxed, on top of taxable income |
| AMP | Counted only with an employer letter confirming it can be taken as cash |
What this means for you: two hospital physios on the same pay can get different borrowing answers simply because one lender counts their packaging as tax-free income and another needs paperwork first. Bring your packaging statement along with your payslips.
Contractor physios on an ABN
A contractor physio is paid a share of billings, or a fee, through their own ABN, and lenders usually read that as self-employed income. So they ask for tax returns and notices of assessment rather than payslips, usually two years of them [9][10]. The waiver itself still turns on your registration, not on how you're paid.
The policies we hold for NAB, ANZ and Westpac Group don't say how each treats a self-employed physio for the waiver. St.George's own page says its profession offer can apply to self-employed people in the professions it lists [5], but whether physios are on that list isn't something we've confirmed. So it's settled with the lender before you rely on it.
A physio who has just moved from payroll to contracting can earn the same and borrow less for a while, because the lender now wants self-employed history. If a move like that is coming, it's worth knowing which order to do things in. The full rules are on self-employed home loans.
Can a self-employed physio borrow on one year of tax returns?
Sometimes, but almost always at 80% of the value or less, which is a 20% deposit. NAB considers a single year's financial statements at 80% or less [11]. One lender's one-year pathway for 11 listed professions names medical professionals, pharmacists, psychologists and optometrists, but not physiotherapists [9].
What this means for you: the one-year routes mostly sit at a 20% deposit, where there is no LMI to waive. A self-employed physio with one year of figures is usually choosing between a bigger deposit now and the waiver once a second year is lodged.
Lenders also set how old your figures can be. MyState doesn't accept tax returns or financials more than 18 months old when you apply, and doesn't take draft returns [12]. Late in a financial year, a physio whose newest return isn't lodged can fall outside a rule like that without noticing.
Practice owners: what a lender reads
A practice owner's income comes through the business, often a company or trust, so the lender reads the practice as well as you.
Two years is the usual rule: your personal returns, and for a company or trust its returns and financial statements too [9][10].
Add-backs: at the two lenders whose policies we read, wages the business pays you, super above the compulsory amount, interest on business loans being refinanced and one-off costs are added back to profit [9][10].
Depreciation: added back only up to 20% of the business's net profit, at both lenders. For a clinic with treatment tables, rehab equipment and a fit-out, that cap can matter [9][10].
A rising year: Firstmac uses the lower of your latest year's taxable income or 120% of the year before. A change of 20% or more between the two years has to be explained [10].
Company profit: Firstmac counts only what reaches you, as wages, directors' fees or dividends, for a loan in your own name [10].
NAB's main-income test: if the practice also earns from classes, a gym or product sales, NAB's condition that your main income comes from the profession is worth checking before you apply [1].
The full list, with the business structures, is on self-employed home loans.
How add-backs change a clinic owner's number
Add-backs can move a clinic owner's assessed income by tens of thousands of dollars. An illustration, not a client file, using the rules in part 13. A physio practice shows a net profit of $180,000. It claimed $50,000 in depreciation on equipment and fit-out, a one-off legal bill of $6,000, $10,000 of super above the compulsory amount, and $4,000 on advertising.
Depreciation is capped at 20% of $180,000, so $36,000 is added back, not $50,000. The legal bill and the extra super are added back in full. Advertising isn't. The income a lender would start from is $232,000, not the $180,000 on the return. Each lender's own list differs, so the real figure depends on which lender you use.
If your income jumped, the year used matters too. At Firstmac, a physio who earned $90,000 one year and $140,000 the next would be assessed on $108,000, which is 120% of the earlier year [10].
Buying into a clinic while buying a home
Buying into a clinic and buying a home is one decision, not two. Any loan you're personally on for the clinic, its fit-out or its equipment counts against what you can borrow for the home, and so does a guarantee you sign for the clinic's company.
The order matters. Buy the home first and the clinic's lender sees a larger personal debt. Buy into the clinic first and the home lender may want to see a full year of your new income before it counts it. Work out both loans on one page before you sign either contract.
Clinic debt also counts toward your debt-to-income ratio, which APRA watches closely (part 19).
Casual and locum physios
Casual and locum pay through an employer or agency can count, but each of the lenders we checked wants a minimum time in the job first. A locum on their own ABN is read as self-employed instead (part 11).
Westpac Group: counts casual pay in full after 6 months continuous with the same employer or agency, spread over 52 weeks [6].
Suncorp: counts it in full after 6 months continuous, or 12 months in a similar role [6].
NAB: averages the last 180 days, penalty rates included, with overtime split out at 80% [6].
Bankwest, Macquarie, ING: want 6 months in the current job (Macquarie also takes the past 6 months in the same field) [6].
AMP: wants 6 months with the employer and 12 months in the same industry and role; under 6 months isn't accepted [6].
ANZ: wants 6 months employed. On a loan with LMI, a casual can't be the only or main earner [6].
Locum work that moves you between agencies often, with gaps, is the hardest pattern for a lender to read. A few months with one agency before you apply can make it simpler.
New graduate physio, or a new job
A new graduate physio can get a home loan with a waiver, and ANZ is the one where pay level doesn't bar the waiver itself, because it sets no minimum income [1]. Westpac Group's $90,000 floor will rule it out for many in their first years. Every lender still checks that your income carries the repayments.
What a new graduate needs most is time in the job. At Westpac, a loan without mortgage insurance needs you to have started and been paid at least once. A mortgage-insured loan needs 3 months in the job, or less than that with 12 months in the same occupation and no gap of more than 2 months between jobs [7]. Westpac's policy doesn't say whether a waiver loan counts as "without mortgage insurance" for this rule, so it's a question we put to the lender for you.
If you start as a contractor rather than an employee, the self-employed rules in part 11 and part 12 apply instead, and they want a longer history.
Part-time, or on parental leave
An employed physio can buy while working part-time or on parental leave. At Westpac, permanent part-time pay counts as base pay, using the lowest base rate and hours on your payslips unless there's a reason they vary. One-off unpaid leave can be counted back in if you confirm you're back to your normal hours [7].
On leave, Westpac can use your return-to-work pay, base pay only, with a letter from your employer giving your return date, your hours and your pay. Every child counts as a dependant, including one not yet born. If your first repayment falls before you return, you'll need savings that cover the gap, on top of the money for the purchase [7].
Part-time pay can also take you under Westpac Group's $90,000 floor, which is where ANZ's and NAB's waivers matter more (part 5). A contractor or practice owner on leave is read from their returns, so the timing of a leave year matters.
How much can a physiotherapist borrow?
How much a physio can borrow comes down to three things: what a lender counts of your income, your debts, and your living costs. Banks then check you could still make the repayments if rates were at least 3 percentage points higher, the buffer APRA expects [15].
Your debt-to-income ratio, or DTI, is your total debts as a multiple of your gross income. APRA limits each bank's new home lending to people whose debts are 6 or more times their income to 20% of that lending [15]. Clinic loans you're personally on count toward it.
What this means for you: a physio earning $120,000 reaches 6 times at $720,000 of debt. That's why the same physio can get quite different answers from two lenders: one that counts your overtime, penalties and packaging in full can lend noticeably more than one that counts part of each. See how much can I borrow.
When the waiver isn't worth taking
The waiver saves LMI. It doesn't make a bigger loan the right loan.
When the rate costs more than the LMI. A lender that waives LMI isn't always the one with the lowest rate. Over a long loan, a higher rate can cost more than the LMI you saved, so compare the whole loan, not one line of it.
When the lender reads your pay worse. If another lender counts more of your overtime, packaging or contract income, it may lend you more or suit you better, even with LMI to pay.
When 95% leaves nothing in reserve. Borrowing 95% at NAB means a bigger loan and more interest than borrowing 90%, even with no LMI. If you're about to buy into a clinic, that cash may be worth more there.
When you need interest-only. ANZ's and Westpac Group's physio waivers are written on principal-and-interest loans [1]. An investor who wants interest-only should check that before choosing on the waiver (part 22).
Do physiotherapists get a cheaper interest rate?
Money Brain doesn't print a physio interest rate, because none of the waiver policies we hold sets one we could rely on. ANZ's policy for its physio group has referred to medico rate concessions, but the most recent card we read no longer states them [1]. The waiver is about LMI, not price.
Rates change far more often than waiver policies. The rate worth comparing is the one each lender offers on your loan, at your LVR, on the day you apply.
Can you go interest-only with a physio waiver?
Only on terms. ANZ's physio group is written on principal and interest, for a home or an investment. Westpac Group's is principal and interest too, though its policy allows interest-only that converts to principal and interest at the same 90% [1]. NAB's conditions, as we hold them, don't set a repayment type, so it's one to confirm.
Interest-only lowers repayments for a while and suits some investment plans. It also means the loan doesn't fall while you pay it. See interest only or principal and interest.
Buying an investment property as a physio
A physio waiver can carry over to an investment loan. NAB goes to 90% on an investment, against 95% for a home. ANZ goes to 90% on principal and interest for either. Westpac Group's 90% policy doesn't split a home from an investment [1], and St.George's own page says its profession offer can apply whether you're buying to live in or to invest [5].
Bank First's waiver is for first home buyers only [3]. Once you own one property, the order you buy the next ones in decides whether you can keep going. See using equity to buy an investment.
Physio first home buyer? The waiver, the 5% Deposit Scheme or Help to Buy
A physio buying a first home has two ways to buy with 5% and no LMI, and they suit different buyers. The waiver is a lender's own policy. The 5% Deposit Scheme is the government guaranteeing part of the loan in place of LMI, and it has no job test [13].
| Physio LMI waiver | 5% Deposit Scheme | |
|---|---|---|
| Deposit | 5% at NAB; 10% at ANZ and Westpac Group [1] | At least 5% and less than 20% [13] |
| Price limit | None by area; NAB to a $4.5 million property [1] | Capped by area, for example $1.5 million in Sydney, $1 million in Brisbane, $950,000 in Melbourne [13] |
| Income test | None at ANZ; $90,000 at Westpac Group [1] | No income caps [13] |
| First home only? | No, at NAB, ANZ and Westpac Group [1] | Yes, and no property owned in the last 10 years [13] |
| Renting it out later | Investment loans covered to 90% (part 23) | Not while the guarantee is in place [13] |
What this means for you: a physio buying under the area's price cap with 5% saved can use the scheme at any lender on its panel, not only NAB. A physio buying above the cap, or planning to rent the home out later, will usually find the waiver the better fit.
Help to Buy, where the government takes a share of the home's value so you borrow less, needs a deposit of at least 2% and is open only on incomes up to $103,000 alone or $165,000 together. It can't be used with the 5% Deposit Scheme [13][14]. See the 5% Deposit Scheme, Help to Buy, guarantor home loans and the first home buyer grants in your state.
Buying with a partner who isn't a physio
You can. At Westpac Group, the $90,000 test is on your own pay from your eligible qualifications, so your partner's income doesn't help you reach it [1]. Your partner's income does count toward what you can borrow together.
At ANZ, if the loan has LMI and you're casual, you can't be the only or main earner, so a partner's income matters there too [6]. How NAB applies its main-income test on a joint loan isn't set out in the policy we hold, so it's one we confirm for you.
Overseas-trained physios and visa holders
If you're registered with AHPRA and working as a physio here, the same waiver terms apply; NAB's waiver depends on that registration [1]. What changes is your visa: many lenders treat permanent residents like citizens and ask more of temporary visa holders. See home loans for visa holders.
What to have ready
Your AHPRA registration, current
Your last two payslips and contract, if you're employed, with penalties and allowances on their own lines
Your salary packaging statement, if you package
Two years of tax returns and notices of assessment, if you contract or own the practice
The practice's financial statements, if you own it or a share of it
Statements for any clinic, fit-out or equipment loans you're on, and any guarantee you've signed
An employer letter, if you're new, on leave or about to change roles
The full document list is on How it works.
Why physios' applications get held up
The same few things come up again and again:
Applying for a physio waiver at CommBank, Bankwest or Suncorp, which leave physios out (part 2)
Expecting 95% at ANZ or Westpac Group, where physios stop at 90% (part 3)
Applying at Westpac Group on less than $90,000 from your qualifications (part 5)
A registration that lapsed between renewals (part 4)
A new contractor applying before two years of returns are lodged, with a small deposit (part 12)
Casual or locum pay with less than the lender's minimum time in the job (part 16)
Signing for clinic finance before the home loan is worked out (part 15)
Each one is avoidable by picking the lender that fits before you apply.
What does a broker cost you?
How a broker is paid, and the rule Money Brain holds against it, is set out in full on its own page: what a mortgage broker costs.
Your first move
You've read the rules. Now there's one question left: which of the three lenders, for the way you're paid, at the price you want? That depends on your registration, your pay, your structure and your deposit, and it's what Money Brain works out before anything goes to a lender.
When you're ready, the closing section below is the simplest way to start.
Four facts, and I'll do the checking
Tell me how you're paid, what you earn before tax, roughly what you want to spend and what you've saved. I'll come back with which lenders fit, what each would count of your income, and whether 5%, 10% or another way in comes out ahead.
You'll hear back within the hour in business hours, and by 9am the next business day after hours.
Questions physiotherapists ask
Yes, at three lender groups. NAB waives lenders mortgage insurance for registered physiotherapists up to 95% for a home and 90% for an investment. ANZ and Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA) waive it up to 90% on principal-and-interest loans, on the policies Money Brain checked.
Sources
- 1
NAB, ANZ, Westpac Group (Westpac, St.George, Bank of Melbourne, BankSA): LMI waiver policies for physiotherapists. Checked 1 October 2026; re-checked 21 October 2026.
- 2
CommBank, Bankwest, Suncorp, Macquarie, ING, AMP, Teachers Mutual Bank group: no LMI waiver for physiotherapists. Checked 1 October 2026; CommBank's list of named professions read 2 October 2026.
- 3
Bank First: LMI waiver for healthcare and education workers. Checked 3 October 2026 and re-checked 21 October 2026.
- 4
LMI premium: one insurer's published rate card, standard rates. Checked 21 October 2026.
- 5
- 6
Lender credit policies on overtime, shift penalties, allowances, salary packaging and casual income: ANZ, Westpac Group, NAB, Bankwest, Suncorp, Macquarie, ING, AMP. Read 30 September 2026 (each lender's policy last updated between 22 and 29 September 2026).
- 7
Westpac credit policy on new employment, part-time income and parental leave. Read 1 October 2026.
- 8
- 9
One lender's residential home loan credit guidelines (the lender isn't named). Read 26 August 2026.
- 10
Firstmac: Residential Lending Policy, changelog to 28 July 2026. Read 26 August 2026.
- 11
NAB: self-employed home loan page. Read 26 August 2026.
- 12
MyState Bank: Mortgage Lending Procedure (broker version 1.0a), effective 1 July 2026. Read 27 August 2026.
- 13
- 14
- 15
Updated 2 October 2026