Sydney Olympic Park · Finance for Professionals
Strategic Lending For Australia's Professionals.
Whether you’re refinancing, purchasing your first home or building a property portfolio — Simpli Finance helps nurses, doctors, dentists, lawyers and accountants structure lending properly across 50+ lenders.
WHO WE HELP
Built For Australia's Professionals
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Doctors
Specialist LMI waivers, locum income, registrar and private practice lending.
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Lawyers
Bonus and partnership income, high-income borrowing and investment strategies.
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Accountants
PAYG, self-employed, trust and company income — matched to the right lender.
LMI Waiver Eligibility
Some professionals may be able to borrow above 80% LVR without paying standard Lenders Mortgage Insurance, depending on lender policy and profession.
Complex Income Properly Assessed
Overtime, shift loading, trust distributions, company income, bonuses, locum income and practice income can be treated very differently across lenders.
Refinance Strategy
Property Wealth Planning
Whether buying your first home, upgrading or investing, we help structure lending with the next move in mind.
Your Bank May Not Be Assessing You Properly.
Your profession, income, LMI waiver eligibility and equity position can affect which lenders suit you best.
Real Lending Scenarios For Professionals
🏥 Registered Nurse · Sydney
Nurse Refinance Review
A nurse working regular overtime wanted to refinance, but her bank was not recognising her full income position. We reviewed her overtime history, HECS impact and equity position to identify better options.
Example only. Outcomes depend on lender policy and individual circumstances.
⚕️ Medical Professional · NSW
Doctor LMI Waiver Strategy
A doctor wanted to purchase with less than a 20% deposit and avoid unnecessary LMI costs where eligible. We reviewed profession eligibility, lender LMI waiver policies and deposit position.
Example only. LMI waiver eligibility depends on lender policy and individual circumstances.
🦷 Dentist · Sydney
Dentist Practice Owner Finance
A dentist operating through a company structure needed residential and practice-related finance reviewed together. We identified specialist lenders able to assess both balance sheets.
Example only. Outcomes depend on lender policy and individual circumstances.
Free Lending Guides For Professionals
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Professional Lending Guide
LMI waivers, income assessment and lending strategy for all professionals.
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Nurse Lending Guide
Overtime, HECS, shift loading and first home options for nurses.
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Medical Professional Guide
LMI waivers, practice income and investment lending for medical professionals.
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Refinance Savings Guide
Rate review, equity release and refinance strategy for 2026.
Tools For Professionals
Borrowing Power Calculator
Estimate how much you may be able to borrow based on income, expenses and commitments.
LMI Calculator
Estimate LMI costs and check whether your profession may qualify for an LMI waiver.
Refinance Savings Calculator
Estimate potential repayment savings from refinancing your current home loan.
Professional Lending Resources
Nurses
Can Nurses Use Overtime Income For A Home Loan?
Understanding how lenders treat overtime, shift loading and penalty rates for nurses and healthcare workers.
Doctors
Medical Professional LMI Waivers Explained
How doctors and medical professionals may access LMI waiver pathways depending on lender policy and profession.
Refinancing
Refinance Checklist For Professionals
What to check before refinancing — rate, structure, equity, income treatment and lender policy.
Mortgage Brokers Serving Sydney Professionals
Based in Sydney Olympic Park, we help professionals across Sydney and Australia with home loans, refinancing and investment lending.
Ready To Review Your Lending?
Whether you’re refinancing, buying or investing, we’ll help you understand which lenders may suit your profession, income and goals.
General information only. Lending eligibility, rates, LVRs and LMI waiver policies vary by lender and are subject to assessment.