Medical imaging pay often includes on-call, shift and overtime income, and many sonographers work as locums or through agencies. Lenders count each part differently.
A salaried radiographer or sonographer is assessed from payslips, with base salary counted in full and on-call, shift and overtime pay usually averaged over recent months. Locum and agency work is assessed like casual or contract income, and work through your own ABN as self-employed.
Radiographers are registered as medical radiation practitioners through AHPRA; sonographers are accredited through the Australian Sonographer Accreditation Registry instead.
Part of the employment and income home loans guide.
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No LMI: an estimated $22,800 premium avoided (a broad guide; real premiums vary by lender and loan).
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For professional LMI concessions, they can. Some lenders include selected allied health roles in their concessions and often require AHPRA registration, which radiographers have as medical radiation practitioners. Sonographers are accredited through the Australian Sonographer Accreditation Registry, which some lenders treat differently.
Check current policies; the healthcare professional home loans page explains how they work.
Lenders want to see that locum work is ongoing, usually with six to twelve months of history, payslips or invoices and bank statements. If you work through several agencies, lenders add the income together once it is steady.
The casual employment and contractor pages explain the rules.
Documents that show the full picture.
Many do when it is regular, usually averaged over 6 to 12 months.
Some lenders include some allied health roles; sonographers are accredited rather than AHPRA-registered, which some policies treat differently.
Yes, once it shows a steady history, usually six to twelve months.
Yes, as medical radiation practitioners.
Yes, if you are eligible and the price is under the cap.
Charles can show which lenders count your on-call and locum income most fully, 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.
