Home loans for Accountants

Home Loans for Accountants Sydney | No LMI Mortgage Broker | Buyvest

Home loans for accountants and finance professionals

Home loans for accountants.
No LMI. $0 cost.

Waived LMI at up to 90% LVR for CA, CPA, CFA, FIAA and IPA members. Your Sydney accountant mortgage broker. 35+ lenders, $0 cost.

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35+
Lenders
90%
Max LVR, no LMI
$45k+
Max LMI saved
$0
Cost to you

How do home loans for accountants work?

As an accountant, lenders will waive Lenders Mortgage Insurance (LMI) when you borrow up to 90% of the property value. Many add a cheaper rate through their professional banking teams. Some set no minimum income, others ask for income above a set level. Call it an accountant home loan or an accountant mortgage. Either way, it can save you $15,000 to $45,000+ on one purchase.

This is what we do all day as a mortgage broker for accountants. Every lender reads the rules differently. Some take IPA members, some do not. Some skip the income rule, some do not. Some waive LMI on an investment too, others rule out interest-only or a trust setup. ACCA is left out at some lenders, and provisional members miss out at most. The rules change all the time, and tracking them is our job. We compare 35+ lenders and find the deal that fits you.

First home buyers can stack the LMI waiver with the NSW stamp duty concession and save $25,000+ upfront. Already own property? Use your equity to invest or refinance with the LMI waived again. Our service costs you $0, and you deal with the same broker from first call to settlement.

The numbers

How much LMI do accountants save?

LMI is one of the biggest upfront costs when you buy with less than a 20% deposit. As an accountant, you skip it completely.

Property valueLVRLoan amountLMI (non-accountant)Accountant saves
$750,00090%$675,000~$16,800~$16,800
$1,000,00090%$900,000~$22,400~$22,400
$1,500,00090%$1,350,000~$33,600~$33,600
$2,000,00090%$1,800,000~$44,800~$44,800

Estimates only. LMI varies by lender, insurer, state, and your profile. Use our property deposit calculator for your numbers, or book a free consultation and we will work out your exact saving.

How much can you save with an accountant home loan?

We check your membership eligibility, work out your borrowing power across 35+ lenders, and show you what you save. Clear answers, no pressure.

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MFAA member. 10+ years lending experience. $0 cost to you.

Why Buyvest

Why use a mortgage broker for accountants?

A mortgage for accountants needs a broker who knows professional lending, membership rules, and complex accounting income.

35+ lenders compared

Every lender plays by different professional rules. Some waive LMI to 90%, others stop at 85%. Some take IPA members, some only CA and CPA. Some skip the income rule, some do not. We track the rules and show you the winner.

LMI waived. $15k to $45k+ saved

A regular borrower pays about $22,400 in LMI on a $1M property at 90% LVR. You pay nothing. Paid LMI before? Refinance with the waiver and never pay it again.

Your income read right

PAYG salary, partnership profit share, trust distributions, director fees, bonuses. Some lenders count all of it, some cut it down. We match you with the one that reads your income best.

Professional banking divisions

Rate discounts you will not find in a branch. We deal with the professional teams directly. Faster answers, better rates.

$0 cost, best interests by law

The lender pays us when your loan settles. Your rate is the same either way. The Best Interests Duty means we must recommend what is best for you.

Reviewed every year

As you move from graduate to manager to partner, better rates open up. We review your loan every year and call you when a better deal appears.

Which finance and accounting professionals qualify for waived LMI?

If you hold membership with a recognised accounting or finance body, there is a good chance you qualify. It comes down to your membership, not just your salary. Accountants and finance professionals sit in the top eligibility tier at most lenders, alongside these roles:

  • Accountants
  • Actuaries
  • Auditors
  • CFOs
  • Finance Managers
  • Financial Controllers
  • Internal Auditors
  • Partners (accounting firms)
  • Tax Accountants
  • Management Accountants
  • Forensic Accountants
  • Insolvency Practitioners

Which memberships qualify for an accountant home loan?

Full membership with a recognised body gets you up to 90% LVR with no LMI. The main ones are CA ANZ, CPA Australia, CFA Institute, FIAA, and IPA. Not every lender accepts every body. IPA is taken at some lenders but not all. Some lenders also look at your degree or your role as extra proof. The lines move, so ask us and we will check the current rules.

Who does not qualify for an accountant home loan?

Accounting students, bookkeepers without membership, and provisional or associate members usually miss out. ACCA members are left out at some lenders, and you may need to switch to a CA or CPA membership to get in. Members who have let their membership lapse, or who no longer work in the profession, can miss out too. Other paths in: the Home Guarantee Scheme, a guarantor loan, or a 20% deposit, and we can still find your best deal across 35+ lenders. Think you may qualify? Contact us and we will confirm straight away.

Your income

How do lenders assess accountant income?

Not every bank accepts every type of accounting income. The wrong one can decline you or lend you far less. We walk you into the right one first.

Base PAYG salary

Every lender accepts 100% of this with two payslips. Just changed firms? Some lenders want you past probation, others accept your first payslip. Some also count bonuses and overtime at a lower rate.

Partnership profit share

Partners take profit distributions, not a salary. Some lenders average two years, others take the most recent year. You will need partnership agreements, distribution statements, and tax returns. The right lender is the difference between a yes and a no when income moves between years.

Trust distributions and director fees

If your income flows through a company or trust, it needs clear paperwork: drawings, director fees, or distributions. Most lenders want two years of tax returns and financials. We know which lenders count it in full.

Contractor and consulting income

Invoice through an ABN? Most lenders want two years of tax returns. Some accept a shorter history with invoices, BAS, and steady billings. A few take an ABN as young as 6 months if you had PAYG work in the same field before.

Practice owners

Drawings, director fees, trust distributions. Some lenders assess one year of tax returns if you have been self-employed a full financial year. We make your income read as one clear story.
Self-employed guide

Mixed income

A salary at one firm plus consulting at another, or wages plus partnership profit. Some lenders only count one stream. We find the ones that count both.
How it works
Your career stage

What is the best accountant home loan for your career stage?

The right move depends on where you are in your career, what you earn, and where you want to end up.

Newly qualified CA or CPA buying your first home

An accountant home loan lets you buy with a 10% deposit and no LMI. NSW first home buyers can also pay less stamp duty, or none at all. If some lenders ask for income above a set level and you earn under that, we place you with a lender that has no income rule. Read our first home buyer guide.

Example scenario

Rachel, newly qualified CPA earning $95,000. She has $80,000 saved and wants an $800,000 apartment in Sydney. At 90% LVR her loan is $720,000. As a first home buyer at $800,000 in NSW she pays zero stamp duty. As an accountant she pays zero LMI, where a regular borrower pays about $17,900. Her upfront cost is about $82,500 instead of $100,400. Because her income sits below the level some lenders ask for, we place her with a lender that has no income rule.

Senior accountant or manager upgrading to a family home

The equity in your current home can fund the deposit on your next one. Keep the first as an investment, and your LMI waiver applies to the new purchase too. The trick is the right lender for your bonuses and income streams. Read our buying your next home guide.

Example scenario

David, senior manager at a mid-tier firm earning $160,000 plus a $20,000 bonus. He keeps his $750,000 apartment as an investment and buys a $1,200,000 family home at 90% LVR. Zero LMI saves him about $26,900, offsetting more than half his stamp duty of about $50,900. The right lender counts his bonus at 80%, adding $16,000 to his assessed income and about $80,000 to his borrowing power.

Partner or director building an investment portfolio

With some lenders, the waiver covers investment properties too, often up to 90% LVR. We set up each loan on its own to keep your structure clean. Want interest-only? Tell us early, it changes the lender choice.

Example scenario

Michael, partner at an advisory firm earning $320,000 in distributions. He owns a $1.8M home and two investment properties, and paid LMI on all three before he knew the waiver existed. He refinances all three with waived LMI, a lower rate, and $4,000 cashback per property. He saves $15,000+ a year in interest and picks up $12,000 in cashback. As a partner at a large firm, his total lending can reach $7.5 million with some lenders, leaving room to grow.

Self-employed accountant or practice owner

Drawings, trust distributions, partnership profit, and part PAYG make a messy picture. Some lenders accept one year of financials, BAS, or an accountant letter. We make every stream read as one clear story. Read our self-employed home loan guide.

Refinancing your existing home loan

Paid LMI the first time? Refinancing as an accountant means you switch without paying it again, even above 80% LVR. Add a lower rate and you can save thousands a year. Some lenders run cashback offers too, and we track them.

Rentvesting: rent where you live, invest where it grows

Rent near your office, buy an investment property where prices grow. With select lenders, your LMI waiver applies there too, at up to 90% LVR. Chat to your accountant about the tax side. Explore pathways to ownership.

Borrowing power

How can accountants maximise their borrowing power?

Our founder spent 8+ years inside a major bank approving and declining loans. He knows what gets a yes. Your application gets built to be approved at the highest amount.

Pre-assessed before submission

Most brokers submit and hope. We check your file against the lender's credit rules first, so problems get fixed before they cause a decline.

Tested across every lender

On the same income, the gap between lenders can be $200,000 to $400,000. We find the one that reads your partnership income, bonuses, and debts the best way.

Straight to the professional team

Pricing and income rules you cannot get through a branch. We deal with the professional banking teams directly and push for sharper pricing.

Quick wins before you apply

A credit card cuts your borrowing power by $30,000 to $50,000 for every $10,000 of limit. Cancelling unused cards can add $100,000+.

Your schedule respected

Accountants spend their days on client deadlines, not on the phone to banks. Weekdays 9am to 9pm, weekends 9am to 6pm. We handle everything to settlement.

Inside lending experience

Ali Hasani spent 8+ years as a Senior Mobile Lending Specialist at one of Australia's big four banks. MFAA accredited, with a perfect settlement record.
Meet the team
How it works

How do you get an accountant home loan?

1

Free assessment

We check your membership and your income, then find the lender with the highest LVR and waived LMI for you.
2

Compare and choose

See your best options side by side. Waiver limits, rates, fees, offsets, and which lender reads your income best.
3

Settle with zero LMI

We handle the application, valuation, and settlement. Your loan settles with no LMI, then we review your rate every year.
Plan ahead

How much can I borrow as an accountant?

Your results will look different to standard calculators, because professional loans let you borrow at a higher LVR without the LMI bill.

Property deposit calculator

Enter your savings and see your maximum purchase price at 80% and 90% LVR, stamp duty included. Your 90% result is real, with no LMI.
Calculate

Home equity calculator

See how much equity you can pull from your current property for your next home or investment.
Calculate

Mortgage repayment calculator

Estimate your repayments across different rates and terms before you commit.
Calculate

Home loans for accountants, accountant home loans, mortgage for accountants and waived LMI for CA, CPA, CFA, FIAA and IPA members, auditors, actuaries, finance managers, partners and practice owners across Sydney and Australia-wide.

Client reviews

5.0 ★★★★★ on Google

★★★★★
"Cannot recommend Ali highly enough. He made a complicated and daunting process incredibly easy, and continually went above and beyond. Would absolutely recommend him to everyone."
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★★★★★
"For all our refinancing and loan purchases, Ali at Buyvest has been a fantastic broker. His deep understanding of mortgage broking and finance translates into invaluable advice, empowering us to make confident choices."
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★★★★★
"Ali is super knowledgeable, reasonable and personable! He will be realistic with what is possible but always find you the best deal whilst making you feel looked after."
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FAQ

Frequently asked questions about home loans for accountants

Real answers to the questions accountants ask us every day.

What is an accountant home loan?
A home loan with special perks for qualified accounting and finance professionals. The big one is waived LMI above 80% LVR, usually up to 90%. You may also get discounted rates, higher loan caps, and a friendlier reading of your income. Lenders offer it because accountants have stable incomes and almost never default.
Why do accountants get special home loan deals?
Accountants almost never miss repayments and have strong job security, with income that grows from graduate to manager to partner. Banks also want you as a long-term customer, from savings and cards to practice and business banking.
How much deposit does an accountant need?
10%, with no LMI. On a $1,000,000 property that means $100,000 instead of $200,000. Use our property deposit calculator to see your maximum purchase price.
What professional membership do I need?
Full membership with a recognised body: CA ANZ, CPA Australia, CFA Institute, FIAA, or IPA. Not every lender accepts every body. IPA is taken at some lenders but not all. ACCA is left out at some lenders. You need to be a full member, not a provisional or associate member.
Is there an income requirement for an accountant home loan?
It depends on the lender. Some set no minimum income and go on your membership alone. Others ask for income above a set level, and a few let you combine two qualifying professionals to reach it. Some just want most of your income to come from the profession. Lender choice matters if your income is on the lower side.
What is the maximum loan amount for accountants?
It depends on the lender, and the caps move. As a guide, total lending can reach $7.5 million with some lenders. Partners at large firms may reach the top limits. What you can borrow still comes down to your income and debts. We check the current caps for you.
Can I get waived LMI on an investment property?
Yes. Some lenders extend the waiver to investment property purchases at up to 90% LVR. Others cap it lower or not at all. We set up separate splits so your investment lending stays clean for tax time.
Can self-employed accountants get an accountant home loan?
Yes. Self-employed accountants can get waived LMI too. Most lenders want two years of tax returns. Some accept one year, BAS, or an accountant letter if you have been self-employed a full financial year. We check the current rules for you.
Do accountant home loans have higher interest rates?
No. Accountant home loans usually match or beat standard rates. Many lenders offer profession-only discounts through their professional banking teams, plus package fee waivers that save $300 to $400 a year.
Can I refinance and avoid LMI as an accountant?
Yes. You can refinance to a new lender with waived LMI even above 80% LVR. Gold if you paid LMI before you knew accountant home loans existed.
What documents do I need?
ID, proof of your current membership (dated within the last 12 months), proof of income (two payslips, or two years of tax returns if self-employed), bank statements, and details of any loans. Partners and practice owners may need partnership agreements, distribution statements, and business financials. We give you a checklist built for your situation.
My spouse is an accountant. Can we get an accountant home loan?
Yes. Joint applications with an eligible accountant can get the waiver. Most lenders want the accountant on the title and the loan. Your partner's income counts toward borrowing power too. At lenders that ask for a set income, two qualifying professionals can combine to reach it.
Does my debt-to-income ratio affect my accountant home loan?
Yes, at some lenders. High debts compared with income can lower your maximum LVR under the waiver. Each lender draws the line in its own place, and the lines move. Cancelling unused cards and paying down debt can lift your borrowing power. We check where you sit first.
Can I get interest-only repayments with an accountant home loan?
It depends. Some lenders only allow principal and interest under the waiver. Others allow interest-only for a set period, more often on investment loans. Tell us early, it changes which lender we pick.
Can I build a home with an accountant home loan?
Sometimes. Some lenders extend the waiver to fixed-price building contracts. Others rule out construction loans and vacant land. If building is your plan, we check the current policy for you.
Can I get an accountant home loan with a trust or company structure?
Some lenders allow it, usually where the accountant is a borrower, director, or owner regardless of the structure. Others only accept individual borrowers, and rule out companies, trusts, and guarantor entities. The lender choice decides whether you keep the waiver, and we know who works with your structure.
Are there postcode restrictions on accountant home loans?
At some lenders, yes, often regional or mining towns. Most city properties are fine. The lists change, so we check your suburb before we apply.
Do school fees affect my borrowing power as an accountant?
Yes. Private school fees of $20,000 to $40,000 per child per year cut your borrowing power. Some lenders treat them more harshly than others, and we find the one that hits you least.
Can I combine the LMI waiver with stamp duty concessions?
Yes. The waiver comes from the lender, stamp duty concessions from the NSW government, so you can stack them. On a $750,000 first home that can mean zero stamp duty and zero LMI, $25,000+ in combined savings. We check what applies to you.
How quickly can I get pre-approved?
Accountants with simple PAYG income can be pre-approved within hours to a few days. Complex files take longer. Pre-approval lasts about 90 days.
Should I use a broker or go to my bank?
Your bank can only offer its own product. As a mortgage broker for accountants, we compare 35+ lenders that all differ on which bodies they accept, income rules, caps, and how they read your income. A branch may not even mention the professional rate. Our service costs $0 either way.
How much does a mortgage broker cost?
$0. The lender pays us a commission when your loan settles. Your rate is the same either way. Meet our team.
Are IPA members eligible for waived LMI?
At some lenders, yes. IPA membership is taken at several major lenders but not all. If you hold IPA, lender choice is key. We find the ones that accept IPA and match you to the best deal.
What loan features do accountants get access to?
All the usual: fixed and variable rates, 100% offset, redraw, splits, interest-only where allowed, and lines of credit. Some lenders even waive package fees for accounting professionals. The waiver does not limit your features.
How much can an accountant borrow?
It depends on your income, debts, and the lender. Accountants can often borrow more than other borrowers on the same income because of career stability. Each lender calculates differently, and we test all 35+. Use our mortgage repayment calculator to estimate repayments.
How do credit cards affect my borrowing power?
A lot. Lenders treat your limit as fully spent, even if you clear it monthly. A $10,000 limit cuts borrowing by about $30,000 to $50,000. Cancelling unused cards before you apply is an easy win.
Can I get an accountant home loan with HECS-HELP debt?
Yes. HECS lowers what you can borrow but will not stop approval. Lenders count the set repayment as an expense, and some treat it more kindly than others.
Do buy now pay later accounts affect my application?
Yes. Active Afterpay, Zip, or Humm accounts count as debts and cut your borrowing power. Close them before you apply.
What happens if I leave accounting?
Nothing bad. The waiver is checked when you apply, and once settled your loan is unchanged. Only catch: a future refinance needs current membership for a new waiver.
Do overseas accounting qualifications count?
Some lenders accept overseas qualifications if your body is part of the Global Accounting Alliance or a recognised partner of CPA Australia. Bodies like ICAEW, AICPA, ICAS, and SAICA may count through reciprocal deals. If you have switched to a local CA or CPA membership, you are fully in. We check which lenders accept your qualification.
Can I get an accountant home loan on a temporary visa?
Some lenders accept temporary visa holders, though the terms may differ: lower LVR, bigger deposit, or property limits. Some skilled visas may be accepted. Permanent residents and citizens have the widest choice. Contact us to check your visa type.
Are there property type restrictions on accountant home loans?
Standard homes are covered: houses, townhouses, and apartments. Some lenders rule out very small apartments, high-density blocks, or rural properties, and some set a maximum property value. Not found a place yet? You can get conditional approval, valid for about 90 days.
What is debt recycling and can accountants use it?
It turns home loan debt you cannot deduct into investment debt you can, using equity and separate splits to invest in something that earns income. Talk to your accountant about whether it suits you, then talk to us about the loan setup.
Can I buy multiple investment properties with an accountant home loan?
Yes. No set limit on properties, as long as you can service the debt. Some lenders cap total lending with them, so we spread loans across lenders and structure each on its own for tax time. Partners at large firms may reach the top limits.
Can I get the best rates with the major banks?
Yes. All four majors run professional policies that include accountants, but the best deal is not always a big bank. Non-bank and second-tier lenders sometimes offer sharper rates, higher limits, or accept more memberships. We compare all 35+ and show you the winner.
What are accountant home loan interest rates?
Usually the same as or better than standard rates, with profession-only discounts through professional banking teams. Rates change all the time, so contact us for today's best.
All professions

Which professions qualify for no LMI home loans?

Use your professional status to skip LMI and get cheaper rates, whatever your industry.

Doctors

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Dentists

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Veterinarians

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Pharmacists

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Optometrists

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Physiotherapists

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Chiropractors

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Psychologists

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Osteopaths

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Podiatrists

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Sonographers

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Lawyers

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Bankers

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Auditors

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Actuaries

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All no-LMI loans

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Your best accountant home loan is one call away.

We compare 35+ lenders, find the highest LVR with waived LMI, push for a sharper rate, and handle everything. $0 cost.

0426 002 202 Let's meet

MFAA member. 10+ years lending experience.

Accountant home loan Sydney specialists helping accounting and finance professionals across 220+ suburbs and Australia-wide. Meet our team. Service regions: Sydney CBD, Sydney Central, Eastern Suburbs, Northern Beaches, North Shore, Inner West, Sutherland Shire, Hills District, St George, Canterbury-Bankstown, Western Sydney, Penrith.