Allied Health Finance | Physiotherapist, OT & Psychology Practice Loans | MFA

Industry Finance Specialists

Finance for Allied Health Professionals

Specialist lending solutions for physiotherapists, occupational therapists, psychologists, speech pathologists, and all allied health practitioners. Access professional LVR benefits and flexible income assessment designed around how you earn.

90%+

LVR available no LMI

60+

Lenders on our panel

12+

Years banking experience

$250M+

Portfolio managed

Apply Now → Book a Free Strategy Call

Who We Help

Allied Health Professionals We Finance

Physiotherapists

Private practice owners, clinic employees, and sole traders in physio.

Occupational Therapists

OTs in private practice, hospitals, and NDIS service delivery.

Psychologists & Counsellors

Clinical psychologists, registered psychologists, and counselling professionals.

Speech Pathologists

Speech therapists in private practice, schools, and healthcare settings.

Dietitians & Nutritionists

Private practice and hospital-based dietary professionals.

Podiatrists

Foot and lower limb health specialists in private and clinic settings.

Chiropractors & Osteopaths

AHPRA-registered manual therapy practitioners in private practice.

Exercise Physiologists

Accredited exercise physiologists and sports medicine practitioners.

Finance Solutions

Tailored Finance for Every Stage of Your Allied Health Career

Home Loans

Professional home loans with preferred LVR treatment and flexible income assessment for AHPRA-registered allied health practitioners.

Up to 95% LVR with reduced LMI
Locum and contract income accepted
HECS treated favourably
Multiple employer income included

Practice Purchase

Finance to acquire an existing allied health practice, including goodwill, equipment, and client list.

Goodwill financing available
Equipment bundled in
NDIS revenue recognised
Vendor finance structures

Practice Setup & Fitout

Fund your new clinic setup from lease deposit through to equipment and interior fitout.

Fitout & refurbishment loans
Lease bond financing
Equipment from day one
Working capital included

Equipment Finance

Fund clinical equipment, therapy tools, and practice technology with tax-effective structures.

Treatment tables & modalities
Assessment & diagnostic tools
Practice management software
Low-doc options available

Working Capital

Smooth out NDIS payment delays, Medicare gaps, and seasonal cash flow fluctuations.

NDIS claim bridging
Medicare billing gaps
Staff wages coverage
Flexible overdraft facilities

Investment Property

Build your property portfolio using professional LVR benefits and lending appetite for stable incomes.

Up to 90% LVR for investment
Rental income assessed
Negative gearing considered
Portfolio lending available

Why MFA

Banking Insider Knowledge Working for You

Unlike brokers who've only ever worked on one side of the desk, your application is guided by someone who spent over 12 years inside the banks and accounting firms that assess your loans.

We Know Your Income Structure

Allied health income is complex — PAYG, ABN, locum shifts, NDIS billings, and Medicare mix. We know which lenders assess this income most favourably and how to present your application to maximise approval.

NDIS & Medicare Expertise

We understand the cash flow timing of NDIS and Medicare billing cycles and can structure facilities that bridge the gap between service delivery and payment receipt.

Practice Lending Specialists

From buying your first practice to funding a multi-site expansion, we have structured dozens of allied health business acquisitions and understand goodwill valuations, equipment inclusions, and working capital needs.

Your Broker's Background

With over 12 years spanning Big 4 accounting, investment banking in London, and senior commercial lending at NAB, ANZ and Westpac — managing portfolios exceeding $250M — we bring genuine institutional knowledge to every allied health client.

12+ Years Industry Experience

NAB · ANZ · Westpac · Deloitte · Edison Investment Research (London)

60+ Lenders — Full Market Access

Not limited to one institution's products or appetite

Complex Deals — Our Speciality

Self-employed, trusts, SMSF, development finance, credit-impaired

Founder-Built Business

Previously founded and sold a successful business — we understand what you're building

Bachelor of Commerce (Accounting)

Former Deloitte · 12+ years banking and accounting across NAB, ANZ & Westpac

At a Glance

Profession types AHPRA-registered

Max LVR Up to 95%

LMI waiver To 90% for many

Income types PAYG, locum, practice

Typical loan size $200K – $5M

Turnaround Fast-tracked

Common Questions

Do allied health professionals qualify for professional lending packages?

Many AHPRA-registered allied health professionals qualify for preferred lending treatment, including reduced LMI requirements. Eligibility varies by profession and lender — physiotherapists, OTs, psychologists, chiropractors, and optometrists are commonly included. We'll confirm your eligibility and match you with the right lender.

How is NDIS income treated by lenders?

NDIS income can be complex for lenders as it's often irregular and tied to registration periods. We work with lenders who understand NDIS revenue streams and can present your income in a way that reflects your actual earning capacity.

Can I get a loan if I work as a contractor or locum?

Yes. Allied health professionals who work on contract, as locums, or across multiple employers are well-catered for by specialist lenders. We'll identify lenders who assess your total income including casual and contract engagements.

Can I finance the purchase of a practice with goodwill?

Absolutely. Allied health practice acquisitions including goodwill are a core part of what we do. We work with lenders who understand healthcare practice valuations and can structure loans covering goodwill, equipment, and working capital.

What documents do I need to apply?

Typically 2 years of tax returns or financial statements, recent payslips or business activity statements, AHPRA registration details, and details of the purchase or purpose. We'll give you a clear checklist upfront so there are no surprises.

Can I use my practice equity to buy an investment property?

Yes. If you own your practice premises or have built equity in your home, we can help you access that equity to fund investment property purchases, often with favourable terms given your professional income stability.

Ready to Finance Your Allied Health Practice or Property?

Book a free, no-obligation consultation with Melanie to explore your options. We'll assess your situation, explain what's possible, and give you a clear plan — no jargon, no pressure.

Apply Now → Book a Free Strategy Call

Or call 03 9020 2699 to speak with our team