Home Loans for Accountants in Australia
Home Loans for Accountants
As an accountant, you qualify for specialised home loans with LMI waivers up to 90% LVR and exclusive rate discounts. We compare 40+ lenders to save you $30,000+.
Up to 90% LVR
LMI Waived
0.10-0.30% off
Rate Discounts
5/5 Based on 180+ reviews
Elite Broker Winner 2024 & 2025
Ready to Get Started?
Book a free consultation and discover your exact savings
Save $30,000+
With LMI waivers up to 90% LVR
No Credit Check
Initial consultation won't affect your credit score
Compare 40+ Lenders
Find the best accountant package for you
Takes 2 minutes - No obligation - Free service
Why Do Accountants Get Special Home Loan Treatment?
It's not favoritism, it's risk assessment backed by decades of data.
Proven Track Record
Banks have tracked accountant loan performance for decades. Default rates consistently sit 40% below the national average, making lending to you mathematically safer.
Growing Earning Potential
It's not just about current income. A 30 year old senior accountant will likely become a partner or move into advisory roles with higher income. This trajectory makes you a premium borrower.
Professional Standards
The professional membership requirement (CPA, CA ANZ, IPA) verifies you've met education standards and maintain ongoing professional development. Proof you're serious about your career.
Risk-Based Benefits
Lower risk translates directly into tangible benefits: waived LMI on loans up to 90% LVR, rate discounts below advertised rates, and streamlined approval processes designed specifically for you.
40%
Lower Default Rates
Accountants default on home loans 40% less than general borrowers, making you a mathematically safer investment for lenders.
Banks look at data, and the data shows accountants default on loans at significantly lower rates than the general population. When you understand how to read a balance sheet, you're less likely to overextend yourself.
How Much Can You Save?
LMI (Lenders Mortgage Insurance) protects the bank when you borrow over 80% of the property value. Standard borrowers pay $25,000 to $32,000 on a $600,000 property. As an accountant, you pay $0.
Real World Examples
The waiver applies to both owner occupied and investment properties with most lenders (some restrictions on investment properties above 90% LVR).
Some lenders extend this to 90% LVR for accountants earning above $150,000 in NSW/VIC/QLD/ACT or $120,000 in other states.
This means you could buy a $600,000 property with just $30,000 saved (5%) and still avoid LMI completely, something virtually impossible for standard borrowers.
Who Qualifies for Accountant Home Loans?
Lenders look for specific job titles and professional memberships. Understanding eligibility requirements upfront saves time and ensures you're targeting the right loan products.
Required Professional Memberships
You must be a current member of one of these recognized bodies:
CPA Australia (CPA)
Chartered Accountants Australia & New Zealand (CA ANZ)
Institute of Public Accountants (IPA)
International qualifications:
Some lenders accept ACCA (UK), US CPA, or Canadian CPA if recognized through CPA Australia or CA ANZ's skills assessment process.
Employment Type
All employment types are eligible, but documentation requirements differ:
PAYG employees:
Require payslips and employment contract
Self-employed / Sole traders:
Require 2 years of tax returns and financials
Partners in accounting firms:
Require partnership agreement, profit distribution evidence, and practice financials
Eligible Job Titles
12 qualifying positions
Additional Requirements
Experience required:
Most lenders require at least 12 months in your current accounting role, though some accept graduate accountants if you hold your professional membership. Access to 40+ lenders helps tailor this.
Proving professional status:
Membership certificate, card, or letter from your professional body serves as verification. If pending, some lenders will proceed with a letter confirming your application status.
Not sure if you qualify?
We can assess your situation in 2 minutes. No credit check required.
Book Free ConsultationAdditional Benefits Beyond LMI Waivers
The LMI waiver is the headline benefit, but accountant packages typically include several additional perks that compound your savings.
Interest Rate Discounts
0.10% to 0.30% below advertised rates. On a $600,000 loan over 30 years, a 0.20% discount saves you ~$23,000 in interest. Available on both variable and fixed rate loans.
Annual Fee Waivers
Standard home loans charge $200 to $400 in annual package fees. Professional packages usually waive these entirely, saving you $6,000 to $12,000 over the life of your loan.
Flexible Income Assessment
More flexible for partners and self-employed accountants, often accepting 1 year of financials or alternative income verification not available in standard policies.
Cash Rebates
Some lenders offer upfront cash rebates ranging from $2,000 to $4,000 for professional borrowers to cover conveyancing or moving costs.
Faster Approval Process
Professional packages often receive priority processing. Standard applications might take 7-10 days; accountant applications typically clear in 3-5 business days.
Higher Borrowing Capacity
More favorable serviceability buffers for accountants can increase borrowing capacity by 5-10% compared to standard assessment methods.
These benefits compound significantly over the life of your loan.
How to Apply
Step by Step Process
Applying for an accountant home loan through Stryve is straightforward.
We'll be with you at every stage. No need to figure it out all alone!
Free Initial Consultation
We discuss your situation: property budget, deposit saved, employment type. We'll tell you upfront if you meet accountant package criteria and which lenders are likely best fits. No credit check at this stage, no obligation to proceed.
Documentation Collection
We provide a specific checklist based on your employment type (PAYG or partner/self-employed).
Lender Selection & Application
We compare your options across 40+ lenders and recommend 2-3 best fits based on rates, LMI waivers, approval likelihood, and settlement speed. You choose your preferred option, we prepare the application, you review and sign, and we submit.
Lender Assessment
The lender reviews your application. Professional packages typically get priority processing. They may request additional information. We handle all lender communication and keep you updated.
Formal Approval
Once the lender has everything they need, formal approval is issued within 24 hours. You receive a loan contract detailing your rate, fees, and conditions.
Purchase & Settlement
After approval, you have 30-45 days to find a property (or if refinancing, proceed to settlement). We coordinate with your solicitor and the lender to ensure smooth settlement.
What our customers
say about us
Don't just take our word for it. See what hundreds of satisfied clients across Sydney say about their experience with Stryve Finance.
“Nate and Dylan were extremely helpful in helping us secure our new home. They were easy to contact from day one, and answered any questions we had. We felt reassured at all times and are very grateful for their patience with us. I have recommended Stryve to 3 friends now who have all been successful in achieving their goals of purchasing their homes. We are so happy with the service and will definitely keep on recommending Stryve to our family and friends.”
Whitney Tran
Homeowner
“I never had a problem with Dylan. From the start of our journey on mortgage til the very end and even with refinancing, he/they were very helpful, transparent, honest and really keen to help their clients! Highly recommended.”
Cristianne Del Valle
Homeowner
“On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. We highly recommend Dylan to all our family and friends.”
Merna Yalda
Homeowner
“Nate is great to work with, very knowledgeable, responsive and genuinely invested in helping me find the right solution. Highly recommend this firm to anyone looking for reliable, competitive and professional brokerage services.”
Julia
Homeowner
“Dylan has not only been a longtime friend, but also the trusted mortgage broker of choice for my family. He answers the phone at all hours, communicates extensively through all steps of a sometimes-complicated process and manages my risk. He has a straight to the point approach which I appreciate. Simply gets the job done, and gets it done very quickly. Thanks for everything Dylan, you're a champion broker and a good mate.”
Christian Barać
Homeowner
“Nate and Dylan were the ultimate professionals in securing a home loan to help us purchase our first home! Following the purchase of our home, they have continued to provide their exceptional service and have been able to secure two rate reductions in six months! Being self-employed wasn't an issue for me as Nate knew the process back-to-front and was able to provide sound advice throughout the application process.”
Justin Tomas
Homeowner
“It was an absolute brilliant experience with Stryve. Our first purchase was with Dylan he was always clear re: the next steps, quick to respond, never tired of questions and went over and above with communication. We went back and used him again for our next investment and the experience was just as wonderful as the first. Stryve also reviews our loans every 6 months to make sure we are getting the best rates on offer. We couldn't ask for more!”
Amber Motii
Homeowner
Frequently asked questions
Ready to Get Started?
You've seen how accountant home loans work. Now let's find the best one for your specific situation.
Make An Appointment