Professional LMI waiver options
Eligible accountants with recognised memberships may borrow at higher LVRs without LMI through selected lender professional programs. Subject to policy.
← Finance & legal professionals
Home loans for accountants.
Home loan options for accountants who want to buy, refinance or invest with lending structured around their professional position. Subject to assessment.
Who this is for
Built for accountants like you.
- Accountants, auditors and tax accountants
- Management accountants and finance managers
- Partners, CFOs and financial controllers
- Actuaries
- First home buyers and investors
- Self employed practice owners
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
Recognised memberships
CA, CPA, IPA, CFA and actuarial memberships are typically recognised by selected lenders. Eligibility depends on the specific lender's professional policy.
Employed vs partner income
Partner distributions are read differently by every lender. We focus on lenders that count them properly rather than discounting heavily.
Investment property lending
Accountants often build property portfolios early. Lender choice matters across the whole portfolio, not just the next deal.
Common challenges
Where this profession often hits friction.
Self employed practice owners
Practice owner income needs a lender that reads company and trust distributions correctly.
Tax planning vs serviceability
Healthy tax planning can suppress declared income on paper. The right lender add-backs appropriately.
Using equity for future property goals
Equity releases need to be structured cleanly to avoid cross-collateralisation. We focus on splits and lender choice.
How we help
Strategy first. Loan second.
Our process is the same for every client - understand the situation, model it against selected lenders, then recommend a path. No pressure, no surprises.
- 01Confirm professional LMI eligibility for your membership and role.
- 02Map salary, bonus, partnership and business income.
- 03Coordinate with your accountant on entity and trust structures.
- 04Model borrowing capacity across multiple lender scenarios.
- 05Annual loan review for as long as you're a client.
Documents to have ready
Make the first conversation faster.
- CA, CPA, IPA, CFA or actuarial membership where relevant
- Recent payslips and employment contract
- Tax returns if self employed
- Business financials if partner or practice owner
- Existing loan statements
- Photo ID
FAQs
Common questions.
Can accountants get no LMI home loans?+
Eligible accountants with recognised memberships may borrow at higher LVRs without LMI through selected lender programs. Subject to assessment.
Which memberships matter?+
CA, CPA, IPA, CFA and actuarial memberships are commonly recognised. Specific eligibility varies by lender.
Can accounting partners qualify?+
Yes. Partner distributions are read by the right lender as professional income, not discounted as generic self-employed earnings.
Can accountants buy investment property with no LMI?+
Many professional LMI policies extend to investment lending, subject to LVR caps and lender criteria.
Can self employed accountants qualify?+
Yes. Two years of consistent business performance and clean tax returns generally support strong outcomes.
Want to know what you may qualify for?
Send us a few details and we will check your options with current lender policy.
Every lender has different rules. Your eligibility depends on your income, deposit, credit history, property type, location, existing debts and the lender policy at the time of application.
This information is general only and does not consider your personal situation. Lending options, LMI waivers, interest rates, loan amounts and approval requirements vary by lender and can change at any time. We will check your circumstances against current lender policy before making any recommendation.