PROFESSIONS
Home Loans For Australia's Professionals
Your profession can change how lenders assess your income, deposit, LMI position and borrowing capacity. Simpli Finance helps nurses, doctors, dentists, lawyers and accountants compare lending strategies across 50+ lenders.
Refinance Options By Profession
Different professions have different income structures, lender policies and refinance considerations. Select your profession to understand what to look for.
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Nurses
Overtime, shift loading, HECS, LMI waiver eligibility and refinance strategy for nurses and healthcare workers.
✓ Overtime & shift loading assessed
✓ HECS impact reviewed
✓ LMI waiver eligibility checked
✓ Refinance and first home options
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Doctors & Medical Specialists
LMI waivers, locum income, registrar and private practice lending for doctors and medical professionals.
✓ Medical LMI waiver pathways
✓ Registrar & specialist income assessed
✓ Locum & practice income reviewed
✓ Investment lending strategies
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Dentists
Practice income, LMI waivers and combined personal and business lending for dentists and practice owners.
✓ Professional LMI waivers
✓ Practice income assessed
✓ Commercial & residential lending
✓ Investment property strategy
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Lawyers
Bonus and partnership income, high-income borrowing and investment strategies for lawyers and legal professionals.
✓ Bonus & partnership income reviewed
✓ Professional lending policies
✓ High-income borrowing strategies
✓ Refinance & investment options
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Accountants
PAYG, self-employed, trust and company income matched to the right lender for accountants.
✓ PAYG & self-employed options
✓ Trust & company income reviewed
✓ Professional package lending
✓ Investment lending strategy
Your Profession Can Change The Lending Strategy
Not every lender treats professionals the same way. Your role, income type, registration, deposit size and property goals all affect which lender is most suitable.
LMI Waiver Eligibility
Some professionals may qualify for LMI waivers above 80% LVR depending on lender policy and circumstances.
Income Assessment
Overtime, bonuses, locum income, trust distributions and practice income treated differently by each lender.
Refinance Strategy
Investment Planning
The right structure can help protect future borrowing capacity when building a property portfolio.
What We Review For Professional Clients
Borrowing Capacity
Estimate how much you may be able to borrow based on income, expenses and commitments.
LMI Waiver Eligibility
Check whether your profession may qualify for LMI waivers depending on lender policy.
Refinance Savings
Review rate, structure, equity and lender options to see if better options exist.
Complex Income
Overtime, locum, practice income and trust distributions assessed by the right lender.
First Home Buyer Options
Low deposit options, LMI waivers, government schemes and borrowing capacity.
Investment Lending
Structure investment loans — interest-only periods, equity release and portfolio planning.
LMI Waiver Eligibility For Professionals
Some professionals may be eligible to borrow above 80% LVR without paying standard Lenders Mortgage Insurance, depending on lender policy and profession. Eligibility, LVR limits and conditions vary by lender and are subject to assessment.
✓ Doctors and medical specialists
✓ Dentists
✓ Lawyers
✓ Accountants
✓ Nurses — subject to lender policy
LMI waiver may apply when
Profession is eligible
AHPRA registration or recognised professional body membership may be required.
LVR meets lender policy
Most waivers apply up to 90% LVR. Some lenders may allow higher depending on profession.
Income and credit criteria met
Standard lender servicing, credit and employment requirements still apply.
Complex Income Needs The Right Lender
Many professionals do not fit a simple PAYG income box. The right lender can make a major difference in how your application is assessed.
Not Sure Which Page Applies To You?
Book a free strategy session and we will review your profession, income structure, LMI waiver eligibility and borrowing capacity across 50+ lenders at no cost.
Useful Calculators 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.
LMI Waivers
LMI Waiver Eligibility By Profession
Which professions may qualify for LMI waivers, typical LVR thresholds and how to check eligibility.
Refinancing
Refinance Checklist For Professionals
What to check before refinancing — rate, structure, equity, income treatment and lender policy.
Want To Know What Your Profession May Qualify For?
Book a strategy session and we’ll help review your income, profession, deposit, equity position and lender options.
General information only. Lending eligibility, LVRs, LMI waivers, rates and approval outcomes vary by lender and are subject to assessment.