No LMI options through selected lenders
Eligible teachers may qualify for Australian Government 5% Deposit Scheme or essential worker pricing. Subject to scheme and lender criteria.
← Essential workers
Home loans for teachers.
Home loan help for teachers who want simple guidance, clear options and a lender that understands education income. Subject to assessment.
Who this is for
Built for teachers like you.
- Primary and secondary teachers
- Early childhood teachers where eligible
- Relief and contract teachers
- Permanent classroom teachers
- Heads of department and school leaders
- Teachers buying, refinancing or investing
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
How teacher income is assessed
Permanent teaching contracts are viewed favourably by most lender credit teams.
Contract and relief income
Selected lenders count contract and relief teaching income with steady history and a consistent renewal pattern.
Maternity leave or part time income
A small number of lenders handle reduced hours or recent parental leave sensibly when supported by a clear return-to-work plan.
Common challenges
Where this profession often hits friction.
Year-to-year contracts
Renewable annual contracts can concern generic assessors. The right lender values the renewal history.
Relief and casual income
Casual income needs careful documentation. Selected lenders count it; many discount it heavily.
Salary packaging
Salary packaging interacts with serviceability differently by lender. We model the right setup before recommending.
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.
- 01Check eligibility for Australian Government 5% Deposit Scheme or state schemes.
- 02Map permanent, contract and relief income properly.
- 03Model borrowing capacity across multiple lender scenarios.
- 04Coordinate around salary packaging and offset structures.
- 05Annual loan review for as long as you're a client.
Documents to have ready
Make the first conversation faster.
- State based teaching accreditation
- Employment contract
- Recent payslips
- Evidence of contract renewal if applicable
- Group certificate or income statement
- Current loan statements
FAQs
Common questions.
Can teachers get no LMI home loans?+
Eligible teachers may use the Australian Government 5% Deposit Scheme or essential worker programs through selected lenders. Subject to eligibility.
Can contract teachers qualify?+
Yes. Selected lenders count contract teaching income with a renewal history.
Can relief teaching income be used?+
Yes, with steady history and the right lender.
Can teachers buy with a small deposit?+
Eligible teachers may proceed with as little as 5% under the Australian Government 5% Deposit Scheme, subject to scheme rules.
Can teachers buy investment property?+
Yes. We model investment lending across your full position.
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.