Professional LMI waiver options
Eligible admitted lawyers may borrow at higher LVRs without Lenders Mortgage Insurance through selected lender professional programs. Subject to policy.
← Finance & legal professionals
Home loans for lawyers.
Home loan options for lawyers who want clear lending guidance, efficient approvals and smart structure for buying or investing. Subject to assessment.
Who this is for
Built for lawyers like you.
- Solicitors and admitted lawyers
- Associates and senior associates
- Partners and equity partners
- In-house and government counsel
- First home buyers
- Property investors
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
Using bonuses or profit share
Selected lenders count discretionary bonus and profit share with two years of consistent history.
Higher borrowing capacity
Professional policies often apply more generous assessment ratios for qualifying applicants.
Fast document preparation for busy lawyers
We pre-build the document list and chase what's needed so you spend the minimum time possible.
Common challenges
Where this profession often hits friction.
Partner draws and lumpy income
Equity partner income can be irregular. The right lender averages it sensibly rather than penalising the unevenness.
Long hours and limited admin time
We do as much of the heavy lifting as possible so the application doesn't eat your evenings.
Recent moves or admissions
Recently admitted or relocated lawyers can hit friction without the right lender.
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 waiver eligibility before submission.
- 02Match your income structure to lenders that understand legal pay.
- 03Coordinate with your accountant on trust and entity 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.
- Practising certificate
- Recent payslips and employment contract
- Bonus evidence if applicable
- Tax returns if partner or self employed
- Current loan statements
- Photo ID
FAQs
Common questions.
Can lawyers get no LMI home loans?+
Eligible admitted lawyers may borrow at higher LVRs without LMI through selected lender professional programs. Subject to assessment.
Do in house lawyers qualify?+
Yes. In-house and government counsel with current admission may qualify under professional lending policies with selected lenders.
Can legal partners qualify?+
Yes. Partner distributions are a regular part of what we structure. Documentation and lender choice make a real difference.
Can bonuses be used?+
Yes, with two years of consistent history and the right lender.
Can lawyers buy investment property with a smaller deposit?+
Many professional LMI waiver policies extend to investment lending, subject to LVR caps and lender criteria.
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.