Home Loans for Accountants

Best Home Loans for Accountants – Top Mortgage Broker Australia | Buyvest

Accountant home loans – why choose Buyvest as your mortgage broker

Buyvest specialises exclusively in home loans for accountants. We provide access to exclusive home loan products and low-rate home loans unavailable to general mortgage customers. Compare home loans with Australia's best mortgage broker for finance professionals.

Zero LMI for accountants at 90% LVR

Buyvest helps accountants borrow up to 90% of your home loan value with zero LMI payments. We access specialist accountant home loans that waive lenders mortgage insurance entirely – something traditional mortgage brokers cannot offer you.

Low-rate home loans for accountants

Buyvest's mortgage brokers negotiate exclusive rates below advertised prices through direct relationships with Australia's best mortgage banks. We compare home loans exclusively for accountants and secure discounts available only to finance professionals.

Access to over 35 lenders

Buyvest connects accountants with 35+ best home loan lenders – including exclusive specialist divisions of major banks. Access home loan products and rates that general public mortgage brokers cannot reach.

Home loan specialists for accountants

Buyvest specialises exclusively in accountant home loans. We understand accounting profession income structures and get approved at higher rates than standard mortgage brokers – because accountants are our specialty.

Tailored home loans for accountants

Buyvest understands accountants' unique financial situations – complex income, bonuses, allowances, investment properties. We tailor solutions specifically for finance professionals, not generic borrowers.

Risk-free for accountants

Zero upfront costs. Buyvest is paid by lenders, not you. We work entirely for your benefit as your accountant home loan specialist – that's how we deliver true value.

Best home loans for accountants – top mortgage broker Australia

Specialist mortgage broker providing exclusive home loans for accountants and finance professionals across Australia. Compare home loans with LMI waivers at 90% LVR, low-rate home loans, and special accountant discounts. Find the best mortgage broker for your needs.

Free home loan quote

Accountant home loans with Buyvest – LMI savings for finance professionals

See how much you can save with best mortgage loans at 90% LVR. Compare home loans and discover exclusive low-rate home loans for accountants and finance professionals.

$800,000 Property
$720,000 Loan
Save $19,200
$1,000,000 Property
$900,000 Loan
Save $24,000
$1,500,000 Property
$1,350,000 Loan
Save $36,000
$2,000,000 Property
$1,800,000 Loan
Save $48,000

Our specialist home loan broker services help accountants and finance professionals compare home loans and access exclusive home loan waivers not available through standard banking channels. Working with a home loan specialist who specialises in accountant mortgages means you can access low-rate home loans and borrow significantly more without expensive lenders mortgage insurance costs. When applying for home loans, best mortgage brokers understand your unique income structures including bonuses, allowances, and investment income.

$19,000+ to $48,000+
Average savings with our specialist home loan services for accountants

Accountant home loans types – what works for accountants with Buyvest

Understanding mortgage types helps you choose the best home loan strategy. Compare different types of mortgage loans available through our mortgage broker services.

Fixed rate home loans

Lock in your best mortgage loans rate for complete budget certainty. Fixed interest rate home loans protect against rate increases and are ideal for accountants seeking stability with mortgage types.

Variable rate mortgage loans

Flexible mortgage options that move with market conditions. Variable rate home loans offer redraw facilities and access to best home loans when rates decrease. Compare variable mortgage loans through our top mortgage brokers.

Interest-only home loans

Designed for investment property mortgages and specialised strategies. Interest-only mortgage loans offer flexibility on investment properties. Our mortgage specialist team helps with types of home loans for investors.

Split home loans

Combine fixed and variable portions in one home loan strategy. Split mortgage loans give you flexibility across different loan types. When applying for home loans, split mortgages are one of the best mortgage loans options.

100% offset accounts

Maximise your savings by offsetting your home loan balance. 100% offset accounts reduce interest and help you pay off your home loan faster. Buyvest helps optimise your offset strategy with the best home loans.

Home loan redraw facility

Access extra payments you've made to your home loan when you need funds. Home loan redraw facilities offer flexibility for unexpected expenses. Compare redraw options available through our best mortgage brokers and top-rated mortgage lenders.

How accountants apply for home loans with Buyvest

Applying for home loans is simple when you work with a best mortgage broker. Here's how to get a mortgage loan and find the best home loan rates for your situation.

1. Talk goals, plans & get ready

Discuss your home loan goals and financial plans with Buyvest. Let us help you prepare for applying for home loans, including paperwork organisation and pre-approval. When applying for mortgage, accountants benefit from our expert guidance on types of home loans and best home loan options.

2. Compare loans & choose

We review your finances and compare home loans across 35+ best home loan lenders and best mortgage banks. Buyvest explains your choices so you make the right call. Applying for a house loan becomes easy when comparing low-rate home loans and best home loans available.

3. Finalise & stay supported

We handle settlement, coordinate with solicitors, arrange property valuations, and provide ongoing support. After applying for mortgage, Buyvest specialist team ensures smooth completion. Get a mortgage loan approved and receive continued support throughout the entire home loan process.

Documents needed for accountant home loan application

Have these ready to streamline your approval process and get pre-approved faster.

Personal Identification

Australian passport or driver's license (with photo, full name, DOB, current address), plus citizenship certificate or birth certificate. We keep everything secure and confidential.

Proof of Income

Two recent payslips from current employer, or 1-2 years' tax returns if self-employed. For casual work, employment letters plus payslips covering at least the last 12 months.

Financial Statements

Latest bank statements (3 months), savings account statements, and internet banking history showing your current financial position.

Existing Debt Information

Statements for all existing home loans, car loans, credit cards, and personal loans. We need to calculate your full debt servicing capacity.

Professional Registration

Current CPA, CA, IPA or ATMA membership certificate confirming your status as a qualified accountant. This unlocks your exclusive accountant lending benefits.

ABN & Business Documents (If Self-Employed)

ABN registration, 1-2 years' tax returns, BAS statements, and recent invoices or business statements showing your practice income.

Buyvest – best mortgage broker for accountants in Sydney & nationwide

Whether you're in Sydney, Melbourne, or anywhere in Australia, Buyvest has the local expertise and national connections to secure your best home loan rates as an accounting professional.

Sydney & NSW specialists

Our Buyvest team works directly with finance professionals across NSW – from the city to regional areas. We understand Sydney's competitive property market and have exclusive relationships with lenders who recognise accountants as premium borrowers. Accountants in NSW save an average of $25,000+ through our specialist rates.

National network of lenders

Access doesn't stop at state borders. Buyvest connects accountants with 35+ lenders nationwide, including exclusive products only available through our mortgage broker relationships. Whether you're buying your first home, refinancing investment properties across multiple states, or relocating, we leverage national partnerships for consistent best-in-market rates.

Local market knowledge

Beyond rates, Buyvest understands local markets. We know how to structure loans for investment properties, which lenders are most responsive to accounting professional applications, and how to maximise your borrowing power in your area. That insider knowledge translates to faster approvals and better terms.

How we handle complex accountant income

Standard brokers struggle with finance professional income structures. We don't. Here's how we maximize your borrowing capacity:

PAYG Salary Income
Base salary counted at 100%. Overtime and allowances carefully assessed—some banks accept 100%, others 80%. We find lenders most favourable to your situation.
Bonuses & Commissions
Some lenders use 1 year history, others require 2. We maximize recognition of your bonus income across specialty lenders to get you the best rate.
Casual & Contract Income
Minimum 6-12 months employment history accepted by specialty lenders. We access lenders accepting casual income that mainstream banks reject.
Self-Employed Practice Income
Business income assessed from latest tax returns. For new ABN holders, we use interim tax returns, BAS, and recent invoices. Fast-track approval for newer practices.
Investment Property Income
Rental income and negative gearing correctly calculated. We structure investment loans to complement your primary residence loan for maximum benefit.
Trust & Corporate Income
Complex structures handled expertly. We navigate trust beneficiary income, corporate dividends, and other sophisticated income sources mainstream brokers won't touch.

How Buyvest's lender relationships give accountants a competitive advantage

Buyvest isn't just another broker. We have direct negotiating relationships with Australia's top lenders – meaning we access rates, products, and LMI waivers that never reach general customers.

Our mortgage broker team has spent years building relationships with Australia's best mortgage banks and specialist lenders. That's not just about access – it's about leverage. When we present an accountant's application through Buyvest, lenders know it's from a broker who understands finance professional income, brings quality applications, and drives volume business. That translates to better rates, faster approvals, and exclusive products. We negotiate exclusive rates below advertised prices, waive LMI for 90% LVR loans, and access settlement cashback programs that most accountants never see.

Big 4 banks – exclusive accountant products

Commonwealth Bank, NAB, ANZ and Westpac all have specialist divisions that focus on high-income professionals. Buyvest has dedicated contacts in these divisions who understand accounting profession income structures instantly. We don't go through normal lending channels – we bypass them. Result: Accountants get pre-approval in days, not weeks.

Specialist lenders – products built for finance professionals

Beyond the Big 4, Buyvest connects with lenders who specialise exclusively in finance professionals. These lenders offer 90% LVR with zero LMI, investment property solutions, and refinance programmes designed specifically around accountant income patterns. They're fast, flexible, and understand your financial situation better than mainstream lenders.

Buyvest's negotiating power – better rates

We don't accept advertised rates. When comparing home loans across 35+ lenders, we negotiate exclusive discounts for every accountant we represent. That direct relationship means you get significantly lower rates than what's publicly available, resulting in meaningful savings across the life of your loan.

Accountant specialities – who qualifies for Buyvest home loans

Our best home loan broker specialises in home loans for all types of accountants and finance professionals. Apply for home loans and discover the best mortgage loans for your specialty.

Tax Accountants
Internal Auditors
Insolvency Professionals
Public Practice Accountants
Corporate Finance Specialists
Government Accountants
Risk Assessment Professionals
Management Accountants
Forensic Accountants
Financial Accountants
CFOs & Finance Directors
Finance Analysts

Requirements for Best Home Loans: Active CPA, CA, IPA or ATMA membership. Currently employed or self-employed as an accountant. No minimum income requirements to access our best home loans and exclusive mortgage rates. Buyvest team can assess eligibility for all accounting specialties.

Buyvest success stories – accountant home loans that got approved

See how Buyvest helped accountants achieve their home loan goals using our SMART approach to finance professional lending.

Emma – CPA, Senior Corporate Accountant
Adelaide, $165,000 p.a. + bonuses, First-time buyer
Wanted to buy a $980,000 home in Adelaide with $98,000 saved (10% deposit).
Target loan $882,000 (90% LVR). Goal: Avoid $24,300 in LMI and get approval with limited deposit plus costs.
Traditional banks required 15–20% deposit due to location postcodes.
Buyvest sourced 90% no-LMI accountant lending and used Emma's full bonus history to boost borrowing power.
✓ RESULT: Approved within 72 hours. Saved $24,300 in LMI and purchased successfully with only 10% deposit plus costs.
Jonathan – CA, Financial Controller
Canberra, $310,000 p.a., Multi-state investor
Investment loans were sitting at 6.42% after recent rate rises.
Goal: Reprice below 5.45% and restructure loans to improve tax efficiency.
Rental income + director dividends made servicing complex — specialist lenders accepted 100% of both.
Buyvest compared 35 lenders and secured 5.25% accountant-only rates + $3,000 cashback.
✓ RESULT: All investment loans refinanced. Total savings: $17,850 per year + $3,000 cashback received.
Sarah – CPA, Management Accountant
Brisbane, $110,000 p.a., New CPA graduate
Just completed CPA exams and wanted to buy a $500,000 home with 90% LVR to preserve cash for portfolio building.
Had $70,000 saved, but wanted to avoid LMI and keep $130,000+ for future investment property deposits.
Mainstream banks required 2 years of post-qualification income history.
Buyvest matched her with specialist lenders accepting recent graduates with fast-track approval.
✓ RESULT: Approved at 90% LVR. Saved $9,000 in LMI and retained $130,000 for future property investments.
Lucas – CA, Tax Partner
Gold Coast, $420,000 p.a. + profit share, Investment property + refinance
Needed to refinance an existing $1.15M home loan and secure $550,000 for a new investment property (105% lending).
Income included PAYG base, partnership distributions, and trust income. Two brokers said "too complex".
Buyvest restructured loans with one lender: owner-occupied refinance and cash out to cover 10% deposit + stamp duty, plus investment loan at 90% LVR with NO LMI.
Specialist lenders accepted complex income structure immediately under professional lending policy.
✓ RESULT: Three loans approved concurrently. Annual savings: $12,220. Total structural savings across loan life: $23,720+

Accountant home loans FAQ – ask Buyvest your questions

How do I apply for home loans as an accountant?
Applying for home loans as an accountant is simple with Buyvest. Get a free assessment, compare home loans across best home loan lenders, and apply with Buyvest specialist team. When applying for mortgage, accountants receive preferential best home loans through our services with dedicated support.
What makes the best mortgage broker for accountants?
The best mortgage broker understands accountant income structures and access to 35+ lenders including best home loan banks. Buyvest provides best home loans with low-rate home loans, expertise in types of home loans, 90% LVR with zero LMI, and guidance on how to get a mortgage loan approved quickly.
Can I get 90% LVR with zero LMI as an accountant?
Yes. Our best home loan lenders for accountants offer 90% LVR with zero LMI waivers. You need active CPA, CA, IPA or ATMA membership and no minimum income threshold. This is an exclusive benefit not available through standard retail banking channels.
How do you compare home loans across so many lenders?
Buyvest compares home loans across best home loan lenders, best banks for home loans, and top-rated mortgage lenders. Apply for home loans and receive comprehensive analysis of best mortgage loans, low-rate home loans, and best home loan rates. We negotiate special accountant rates directly with each lender.
What types of home loans are available for accountants?
We offer comprehensive types of home loans including fixed rate, variable, interest-only, and split mortgages. Buyvest helps you understand mortgage types and choose best home loans for your situation. Many accountants benefit from split loans combining investment and owner-occupied strategies.
What's the fastest way to apply for a house loan?
Apply for home loans directly with Buyvest specialist team. When applying for mortgage, we streamline the entire process and you'll get a response within 24 hours. Get a mortgage loan approved fast by working with the best mortgage broker in Australia who specialises in accountant home loans.