Home Loans for Optometrists
- We source health-professional pricing where optometrists appear on the lender’s eligible occupation list.
- High-LVR LMI waivers may apply when registration, income, and loan size meet published criteria.
- We break down fees, offsets, and portability so you can compare true cost across two or three shortlisted banks.
- Refinance or purchase incentives are confirmed when live - we avoid stale campaign numbers.
- Indicative repayments only firm up after valuation and credit - we keep assumptions transparent.
Optometrist home loans
What we lock in for eligible optometrists
Support with medico or allied-health discounts, LMI exemptions at high LVR, and how lenders view commission, base salary, or franchise income.
Professional-tier rates
If you qualify, we stack discounted tiers against standard retail and note conditions (package, offset, minimum drawdowns).
Enquire nowLMI rules for clinicians
Waivers are never automatic: lenders use LVR grids, income tests, and maximum loan limits. We check your numbers against their guide.
Enquire nowCommission and clinic income
We present variable components with history and consistency so assessors can accept what you actually earn.
Enquire nowEligibility
Who lenders usually include in optometrist programs
You’ll typically need AHPRA registration as an optometrist, an eligible job structure, and income that meets the lender’s health professional tests.
Retail chain employees and independent practices can both fit - evidence requirements differ, and we front-load the right documents.
- Current registration and role title the bank recognises under optometry or allied health.
- Income verification suited to your setup: PAYG, profit and loss, or franchise statements where needed.
- Loan and security within professional-program caps for that lender.
Three easy steps
From first chat to settlement, it's as easy as 1, 2, 3!
Understand your needs
In our first 20-minute chat, we explore your situation and what you want to achieve, so we know we're on the same page from day one.
Reviewing your options
Within a few days, we send clear recommendations from our lender panel and answer your questions: no jargon, just next steps.
Approval through to settlement
When you're ready, we prepare your application, deal with the lender, and stay on top of the process until your loan settles.
FAQ
Home loans for optometrists - common questions
Can I get 90% LVR without LMI?
Often possible on health professional products if you meet registration and income rules - some lenders cap waivers at 90%, others differ by loan size. We confirm per bank.
How is franchise or contractor income treated?
Lenders may want longer history or normalised drawings. We align tax returns and bank statements with the policy paragraph that applies to you.
Do I need two years of tax returns if self-employed?
Usually two years is safest; a narrow set of lenders considers one strong year. We won’t send you to a bank that defaults to decline on thin history.
Does working part time matter?
Serviceability is based on verified income. Part-time roles can qualify if hours and pay are stable and documented.
Do I pay a broker fee?
For most loans we’re paid on settlement by the lender. We disclose this early.
Can a mortgage broker in Sydney help optometrists who live interstate?
Yes. Lender policy is national. Our office is in Brookvale on the Northern Beaches; most of the work happens by phone, video and secure document upload.
How do I start an enquiry?
Use the form on this page or call 1300 992 837. The first conversation is no-obligation — we confirm whether a professional program is realistic before you pay application or valuation fees.
Do you have a Northern Beaches office?
Yes. Approved Property Finance is at 2/658 Pittwater Road, Brookvale NSW 2100.
Our lenders
We compare offerings from 70+ banks and non-bank lenders to find a fit for you
More choice means a better chance of matching your scenario, whether you're buying, investing, or refinancing.
- CommBank
- Westpac
- ANZ
- NAB
- Macquarie
- ING
- Suncorp
- Bankwest
- St.George
- BankSA
- ME Bank
- Bluestone
- Adelaide Bank
- Citi
Enquire about optometrist home loans
Tell us your employment structure, income mix, and property goal - we’ll align you with lenders whose health-professional policy fits optometrists.