Home loans for professionals

First home, next home, building, or investing. If you’re in an eligible profession, you may be able to borrow more with less deposit and skip lenders mortgage insurance. We find the right lender for your situation.

Is this right for you?

Who we help access professional home loan benefits

You're a doctor or medical professional

Doctors, specialists, dentists, and vets are often eligible for the most generous waivers

You're a lawyer

Solicitors and barristers with a current practising certificate may qualify with certain lenders

You're an accountant

Members of CPA Australia, CA ANZ, or IPA are commonly eligible. As a CPA firm, we know this one well

You're a nurse

Nurses can qualify with certain lenders, often where you're the main income earner

You're not sure if it applies to what you're buying

The waiver can cover a first home, your next home, a build, or an investment

How It Works

A simple, compliant process to manage your taxes with confidence

Check Your Eligibility

We confirm your profession, registration, and income against lender waiver criteria

Match The Right Lender

Waivers vary by lender. We find the one that suits your profession and what you're buying

Structure Your Loan

We set up the loan for your purchase, whether that's a first home, next home, build, or investment

Get To Settlement

We manage the lender and the paperwork through to settlement, so the benefit actually lands

Frequently Asked Questions

What is an LMI waiver and how does it help me?

Lenders mortgage insurance (LMI) is a cost most borrowers pay when their deposit is under 20%. It protects the lender, not you, and it can run into the tens of thousands. An LMI waiver means an eligible professional can borrow with a smaller deposit and have that cost waived entirely. It is not a government scheme. It’s a commercial decision lenders make for professions they see as lower risk, and which lenders offer it, and on what terms, varies.

Which professions qualify?

Medical professionals, lawyers, and accountants are the most commonly recognised, and nurses qualify with certain lenders. Doctors and specialists tend to get the most generous terms. Eligibility usually depends on current registration or professional body membership, such as AHPRA for medical, a practising certificate for lawyers, or CPA Australia, CA ANZ, or IPA for accountants. Some lenders also apply a minimum income. Because the lists and thresholds differ between lenders, the practical question is not just whether you qualify, but which lender suits you.

Which professions qualify?

Yes, with certain lenders. Nurses are increasingly recognised, though the terms differ from doctors. Some lenders cap the LVR a little lower, and many apply a minimum income, often where you’re the main income earner. Where you have a steady income and a clean record, the waiver can still save you a significant upfront cost. We know which lenders take the most favourable view of nursing income, including shift loadings and overtime.

Does a smaller deposit mean a worse interest rate?

Not necessarily. The professional packages that carry the waiver often come with competitive rates, sometimes with a discount. That said, a sharp standard rate elsewhere can occasionally beat a discounted package once fees are counted, so the right comparison is total cost, not the headline rate. We compare across lenders so the waiver doesn’t come at the expense of a good rate.

Can I use the waiver for an investment property, not just my home?

Sometimes. Some lenders extend the waiver to investment purchases for eligible professionals, though the LVR cap is often lower than for an owner-occupied home. It can be a useful way to move on an investment sooner without a full 20% deposit. Whether it applies depends on the lender, your profession, and your position, which is exactly what we work out before you commit.

NOT SURE IF YOU QUALIFY?

Have a conversation with us. We’ll tell you clearly where you stand