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Financial & Legal — Group 3

Exclusive Home Loan Benefits for Judge / Magistrates

As a judge / magistrate, exclusive home loan benefits including LMI waivers and higher LVR limits.

Up to 90%

LVR Without LMI

$8K–$36K+

Potential LMI Savings

Multiple

Lender Options

Check My Eligibility — Free See Lender Comparison ↓

Registration Body

Appointment to the bench / Law Society membership

Income Requirement

No minimum at most lenders (judicial salaries well exceed thresholds)

Lender Acceptance

Accepted by all 4 major lender categories under legal professional packages

How Different Lenders Treat Judge / Magistrates

Not all lenders offer the same benefits. Here's how the major categories compare:

Lender Category	Max LVR (OO)	Investment LVR	Key Conditions
Some Lenders	90%	90%	Legal Package. Judges/Magistrates specifically listed.
Select Lenders	89.99%	89.99%	Industry Professionals category.
Certain Lenders	90%	90%	Legal professional category. Max $7M aggregated.
Other Lenders	90%	90%	Industry Specialisation. Legal category.

Lender names shown generically. Contact us to find out which lenders match your situation.

Check Your Judge / Magistrate Benefits

Free, no-obligation assessment. Find out exactly what you qualify for.

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Why Choose Finance Hub?

We specialise in professional home loans and know exactly which lenders offer the best terms for your profession

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Profession Specialists

We understand the specific lending policies for judge / magistrates and match you with the right lender.

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40+ Lender Panel

Access to all major banks and specialist lenders, ensuring you get the best rate and terms.

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$0 Cost to You

Our service is completely free. We get paid by the lender — not by you.

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Ongoing Review

We review your loan every 6-12 months to ensure you're always on the best deal.

Frequently Asked Questions

Common questions about judge / magistrate home loan benefits

Are all levels of the judiciary eligible? +

Yes — Magistrates, District/County Court Judges, Supreme Court Judges, and Federal Court Judges are all eligible under the legal professional packages. Your specific court level doesn't affect LMI waiver eligibility.

Do I still need a Law Society practising certificate? +

Not necessarily. While some lenders look for Law Society membership, your judicial appointment itself is sufficient proof of legal qualification at most lenders. A broker will confirm the specific documentation needed.

Is the income assessment different for judges? +

Judicial salaries are typically straightforward for lenders to assess — they're stable, well-documented, and published publicly. This actually makes the application process smoother than for many other professions.

Can I use the benefit for an investment property? +

Yes, LMI waivers for investment properties are available for judges and magistrates at most lender categories. Typical maximum is 90% LVR on investment properties. A broker will compare all options for your situation.