Certain lenders recognise the career stability and earning potential of qualified professionals — and reward it with reduced deposit requirements and waived insurance premiums.
Accountants · Lawyers · Medical Professionals · Finance Executives · Banking Professionals
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When you borrow more than 80% of a property's value, lenders typically require you to pay Lenders Mortgage Insurance (LMI). This is a one-off premium that protects the lender (not you) if you default on the loan. It can cost tens of thousands of dollars — added to your upfront costs or capitalised onto the loan.
However, multiple Australian lenders offer professional packages that waive this premium entirely for qualified professionals. The rationale is straightforward: your profession demonstrates career stability, strong income trajectory, and lower lending risk.
Through Finance Hub & Networks, you gain access to professional packages across several major lenders — each with different eligibility criteria, deposit requirements, and lending limits. Our role is to identify which lender's policy gives you the strongest outcome based on your specific profession, income, and property goals.
Here's a real-world comparison of purchasing with and without an LMI waiver:
Illustrative example only. Actual LMI premiums vary by lender, state, loan amount and LVR. Your full financial situation would need to be reviewed prior to acceptance of any offer or product.
Purchase with as little as 5–10% deposit instead of the standard 20%, depending on your profession and chosen lender.
The LMI premium — which can exceed $30,000 — is waived entirely for eligible professionals.
Professional packages often support lending up to $5 million per property, with total exposure limits up to $7.5–8 million.
Most packages apply to both owner-occupied and investment properties — accelerating your wealth-building strategy.
Eligibility varies between lenders, so the profession list below is a combined view of what's available across our panel. Some professions qualify with a greater number of lenders than others — our brokers will match you to the lender that offers the strongest package for your situation.
Must hold current membership with a recognised professional body (e.g. CA ANZ, CPA Australia, CFA Institute, IPA).
Must hold a current Australian Practising Certificate issued by the relevant state or territory body. Supervised practice certificates are generally accepted.
Available through select lenders. Must be employed directly (excludes contractors and authorised representatives).
Employment must be confirmed by the company's HR department, board reports, or ASX information.
Not sure if your specific role qualifies? Eligibility criteria differ between lenders — some accept broader titles than others. For example, a "Tax Accountant" or "Internal Auditor" may still qualify under certain policies. Speak with our brokers for a definitive eligibility check.
Professional packages are not standardised. Each lender sets its own rules around deposit requirements, lending caps, income thresholds, and eligible professions. Here's a general comparison of what's available across our panel:
| Feature | Package Type A | Package Type B | Package Type C |
|---|---|---|---|
| Minimum Deposit | 5% | 10% | 10% |
| Maximum LVR | Up to 95% | Up to 90% | Up to 90% |
| Maximum Loan Amount | $4.75M per property | $5M per customer | $4M total exposure |
| Maximum Total Exposure | $8M | $7.5M | $7.5M |
| Income Requirement | Varies by profession | $100,000 minimum | $120,000 minimum |
| Investment Property | ✓ Yes | ✓ Yes | ✓ Yes |
| Refinancing Eligible | ✓ Yes | ✓ Yes | ✓ Yes |
| Genuine Savings Proof | Required | Not required | Not required |
Package types shown for illustrative comparison only. Actual features subject to individual lender policies and credit assessment. Your broker will recommend the most suitable option.
While professional packages offer significant advantages, there are qualification rules you should understand before applying:
Most lender packages require a minimum gross annual income from your eligible profession — typically ranging from $90,000 to $120,000. Some lenders have no income threshold for certain professions (such as medical practitioners), while others apply a strict minimum that cannot be waived.
You must provide current evidence of your professional standing. Acceptable documentation typically includes:
Professional packages are generally available when you borrow in your own name, or through a related company or trust where your direct ownership or directorship is evident. Some lenders also allow lending in a spouse's name, provided the qualifying professional is involved in the transaction (e.g., as a guarantor).
We are a mortgage broker firm specialising in residential property and the long-term success of our clients. Our focus is on the complete customer experience, which begins with finding the most suitable lender policy and continues long after settlement.
We review your profession, registration, income, and property goals against all lender professional packages.
We identify which lender gives you the strongest outcome — lowest deposit, highest limits, or broadest eligibility.
We prepare and lodge your application with the correct professional package codes and supporting documentation.
We conduct regular reviews to ensure your loan continues to meet your evolving professional and financial needs.
Find out your estimated borrowing power in under 2 minutes — powered by real lender criteria from our panel of 30+ lenders.
Doctors, dentists, and specialists may access up to 95% LVR with $0 LMI through dedicated medico packages.
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