Your career is an asset. Lenders agree
If you are an accountant, a dentist, a doctor or another qualified professional, lenders will often waive Lenders Mortgage Insurance and discount your rate. We know which lenders, for which professions, and up to what LVR. Find your field below.
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Find your profession
Specialist home loans, profession by profession
Pick your field to see the packages, LMI waivers and rate discounts lenders offer people in your line of work. Do not see yours yet? We very likely still lend to you, so reach out.
12 professions shown
Dentists
AHPRA-registered dental professionals, practice owners and associates.
LMI waivers available
Accountants
CPA, CA and IPA members, employed or self-employed.
LMI waivers available
Chiropractors
Registered chiropractors and allied-health practice owners.
LMI waivers available
- Ask us
Doctors
GPs, specialists, surgeons and hospital-based medical staff.
We lend to doctors - talk to us
- Ask us
Optometrists
Registered optometrists and practice principals.
We lend to optometrists - talk to us
- Ask us
Veterinarians
Registered vets and clinic owners.
We lend to veterinarians - talk to us
- Ask us
Pharmacists
Registered pharmacists and pharmacy owners.
We lend to pharmacists - talk to us
- Ask us
Lawyers
Admitted solicitors, barristers and legal practitioners.
We lend to lawyers - talk to us
- Ask us
Actuaries
Fellows and members of the Actuaries Institute.
We lend to actuaries - talk to us
- Ask us
Engineers
Chartered and professional engineers across disciplines.
We lend to engineers - talk to us
- Ask us
Executives
Senior corporate professionals on packaged remuneration.
We lend to executives - talk to us
- Ask us
Public Sector
Government and essential-services professionals.
We lend to public sector - talk to us
What Do You Need To Know?
An LMI waiver can save you $5,000 to $50,000 or more, so it is worth knowing what qualifies you for one.
What You Need to Qualify for an LMI Waiver
Most lenders require you to be registered or a member of your profession's recognised body, and some apply an income threshold. Criteria vary widely by lender, so we compare options across every employment status, PAYG, contractor and self-employed, to find waivers that mainstream banks often will not offer.
When an LMI Waiver Makes the Biggest Difference
If you are a first home buyer with limited savings, avoiding LMI can be the difference between buying now or waiting years to save a 20% deposit. For business owners managing existing debt, it means securing a home loan without waiting until that debt is paid down.
How the waivers compare
Which professions get an LMI waiver, and why the limits differ
Lenders Mortgage Insurance is what you pay to borrow above 80% of a property's value, and it can cost $5,000 to $50,000 or more. Many lenders waive it entirely for professionals they treat as low risk. Medical and dental fields tend to reach the highest limits, while most other professions sit a step below. The gap comes down to how stable and how sought-after a lender judges each occupation to be.
Three things decide a waiver: recognition by your profession's registered body (AHPRA, CPA, a practising certificate), an income level that some lenders set (often around $150,000), and each lender's own appetite for your field. Because those settings vary between lenders, the same profession can qualify at one bank and not another. The table below shows where the main professions currently sit.
Indicative only. These figures are a general guide, not an offer. Lender policies and LVR caps change often. Confirm your exact eligibility with us before relying on any figure below.
| Profession | Max LVR (waived) | Lender appetite | Typical requirement | Notes |
|---|---|---|---|---|
| Dentists | Up to 95% | Strong, 8+ lenders | AHPRA + ADA/ADC | Investment often capped at 90% |
| Doctors | Up to 95% | Strong, 10+ lenders | AHPRA registration | Widest appetite of any profession |
| Accountants | Up to 90% | Moderate, 5+ lenders | CPA / CA / IPA member | Income threshold applies (~$150k) |
| Chiropractors | Up to 90% | Moderate, 4+ lenders | AHPRA registration | Fewer lenders than dental/medical |
| Optometrists | Up to 90% | Moderate, 4+ lenders | AHPRA registration | Treated as allied health |
| Veterinarians | Up to 90% | Selective, 3+ lenders | Registration + membership | Not all lenders classify as medical |
| Lawyers | Up to 90% | Moderate, 5+ lenders | Admitted + practising cert. | Income threshold usually applies |
| Engineers | Up to 90% | Selective, 3+ lenders | Chartered status (CPEng) | Discipline and membership dependent |
LVR = loan-to-value ratio. Figures are estimates and subject to lender assessment and current policy.
