Occupational therapists and speech pathologists are paid in more ways than most professions: salaried in hospitals and schools, or self-employed in private practice and NDIS work. Each is read differently.
Salaried therapists in hospitals, schools and community health are assessed from payslips like any employee. Therapists in private practice or providing NDIS services through their own ABN are assessed as self-employed, from tax returns.
Occupational therapists are registered through AHPRA; speech pathologists are not, and usually hold certification with Speech Pathology Australia instead, which matters for some lenders’ professional policies.
Part of the employment and income home loans guide.
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As business income, assessed from tax returns. Lenders look for at least one to two years of history and a steady pattern. Large swings from year to year lead most lenders to use the lower year or an average. The self-employed lending page explains add-backs.
A business bank account that shows regular NDIS payments helps, and so does a clean BAS history.
For lenders mortgage insurance concessions, yes. A few lenders extend professional LMI concessions to some allied health roles, often requiring AHPRA registration, which occupational therapists have and speech pathologists do not. Some lenders accept professional association certification instead.
Lists vary and change, so check before relying on one. The healthcare professional home loans page explains these policies.
Many therapists work part time. Permanent part-time salary counts in full at your current hours; see part-time income home loans.
Some lenders include occupational therapists in professional LMI concessions. Many do not, so check current policy.
No. Speech pathologists are usually certified through Speech Pathology Australia, which some lenders accept for professional policies.
Yes, as business income from tax returns, usually with one to two years of history.
Yes. Lenders assess each part on its own evidence and add them together.
Permanent part-time salary counts in full at your current hours.
Charles can show how each lender would read your income, including NDIS provider income, and whether an LMI concession applies.
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General information only, not credit, tax or legal advice. Lender policies change and differ between lenders, and any loan is subject to the lender’s assessment.
