Home loans by profession

Loans that understand what you do for a living

Some lenders offer real perks depending on your profession, from counting shift income properly to waiving LMI for certain roles. Find yours and let us put it to work.

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Healthcare

Home loans for Dentists

Eligible dentists may skip LMI up to 90% LVR with select lenders, and practice owners can borrow on their real income. A Sydney broker explains how it works.

Home loans for Doctors

Eligible doctors may borrow up to 90% with no LMI through select lenders, which can save thousands. How the medico home loan waiver works, from a Sydney broker.

Home loans for Nurses

How nurses and midwives can get a home loan, including making shift penalties and allowances count, and lenders who understand healthcare income.

Home loans for Optometrists

Eligible optometrists may skip LMI up to 90% LVR with select lenders, whether employed or running a practice. A Sydney broker explains how it works.

Home loans for Pharmacists

Some lenders waive LMI for eligible pharmacists up to 90% LVR, and income thresholds have eased. How the waiver and practice income work, from a Sydney broker.

Home loans for Physiotherapists

Registered physiotherapists may skip LMI up to 90% LVR with select lenders, even on clinic contractor income. A Sydney broker explains how it works for physios.

Home loans for Psychologists

Registered psychologists may access an LMI waiver up to 90% LVR, even on private practice income. A Sydney broker explains how it works for psychologists.

Home loans for Veterinarians

Eligible vets may now access an LMI waiver up to 90% LVR through select lenders, and clinic owners can borrow on their real income. A Sydney broker explains.

Emergency services

Home loans for Firefighters

How firefighters make shift penalties, overtime and allowances count toward a home loan, plus essential worker LMI options. A Sydney broker explains.

Home loans for Paramedics

Paramedics can make shift penalties and overtime count, and may access an essential worker LMI waiver with select lenders. A Sydney broker walks you through it.

Home loans for Police Officers

How police officers can make shift penalties, overtime and allowances count toward a home loan, plus essential worker options. A Sydney broker explains.

Education

Home loans for Teachers

How HECS or HELP debt and contract work shape a teacher's borrowing power, and which lenders treat them kindly. A Sydney broker walks you through it.

Legal

Home loans for Lawyers

Eligible solicitors and barristers may borrow up to 90% with no LMI through select lenders. How the legal professional waiver works, from a Sydney broker.

Finance

Home loans for Accountants

Qualified accountants who are body members may skip LMI up to 90% LVR with select lenders. How the waiver and self-employed income work, from a Sydney broker.

Trades

Home loans for Tradies

Self-employed on an ABN? Your tax return understates what you earn. How add-backs and low doc loans get tradies approved, explained by a Sydney broker.

Engineering

Home loans for Engineers

Some engineers may skip LMI up to 90% LVR, and FIFO or site income can count in full with the right lender. A Sydney broker explains both angles.

Aviation

Home loans for Pilots

How pilots get flying allowances, per diems and roster income counted toward a home loan, and which lenders understand aviation pay. From a Sydney broker.

Resources

Home loans for FIFO and Mining Workers

Banks often shade FIFO allowances and site loadings. How to get your full roster income counted toward a home loan, explained by a Sydney mortgage broker.

Technology

Home loans for IT Professionals

How IT professionals get RSUs, bonuses and contractor day rates counted toward a home loan, and which lenders recognise tech income. From a Sydney broker.

Corporate

Home loans for Executives

How lenders assess executive bonus, commission and share income, and how to get the most of it counted toward a home loan. A Sydney broker explains.

Defence

Home loans for ADF & Defence Personnel

How ADF personnel can use DHOAS, HPAS and service allowances toward a home loan, and buy around postings. A Sydney broker explains the options.

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