Professional Home Loans - mortgage broker specializing in professional home loans

Home Loans for Accountants : 95% LVR No LMI & Exclusive Benefits

Last Updated: 2 March 2026

At Professional Home Loans, we have helped over Accounting and Finance Professionals secure better mortgages, often saving them $25,000–$75,000 in LMI and fees while maximising borrowing power.

2026 Update: Major lenders including NAB, Westpac, CBA, ANZ and Macquarie have expanded LMI waivers to 95% LVR for accountants earning $150k+ with no strict income floor for many 90% options. With Sydney and Melbourne property markets stabilising, now is an excellent time for owner-occupiers and investors to act.

BOOK STRATEGY SESSION

or

DOWNLOAD FREE REPORT

Why Accountants Qualify for Special Home Loans

Your profession’s stability, ethical standards, and earning potential make you low-risk, unlocking benefits unavailable to standard borrowers:

  • No LMI Up to 95% LVR: Borrow with just 5% deposit on properties up to $3M+ without LMI fees (savings: $25,000–$50,000 on a $1.2M home).
  • Discounted Interest Rates: Up to 1.0% off standard variable rates via professional packages – e.g., 0.7% discount from ANZ for CA members.
  • Enhanced Borrowing Capacity: Full inclusion of bonuses, add-backs, and partnership income; up to $2.7M–$3.5M loans at 90% LVR.
  • Fast & Flexible Approvals: Pre-approvals in 2-4 days; no genuine savings required for qualified pros.

 

In my 9+ years as a mortgage broker specialising in professional packages, I’ve seen accountants consistently approved faster and with higher limits than average borrowers because lenders view your profession as stable and low-risk. Recent 2026 policy changes have made these benefits even more accessible.

Home loans for accountants

LMI Waiver Options for CPA, CA ANZ & Finance Professionals

Lenders treat accountants as “elite” – here’s what’s available:

  • 95% LVR Waiver (5% Deposit): For top earners or firm partners; niche lenders like Macquarie offer this for owner-occupied with strong credit.
  • 90% LVR Standard Waiver (10% Deposit): No income minimum in 2026; applies to investments too, ideal for portfolio growth.
  • Investment Property Boost: Borrow 90% no LMI for rentals, preserving cash for deductions and negative gearing.

 

One of our recent CPA clients in Melbourne purchased a $1.2 million property with only a 5% deposit and zero LMI – saving approximately $42,000 that they redirected into their investment portfolio.

Handling Complex Incomes & Structures for Accountants

Accounting careers often involve trusts, partnerships, or overseas elements – we specialize in:

  • Trust & Company Loans: Secure mortgages for properties in discretionary or unit trusts without compromising asset protection.
  • Partnership & K-1 Income: Maximize borrowing by adding back depreciation, interest, and shares – often ignored by online tools.
  • Expat Accountants: Use foreign income (e.g., from UK/Singapore) at 80-90% value; bridge to PR with 482/491 visa options.
  • Refinancing Equity: Pull out up to 90% equity no LMI for investments or renovations.
 

As accountants, you already know the power of negative gearing. With 90% LVR no LMI now widely available on investment properties in 2026, you can preserve cash flow while claiming full interest deductions, depreciation, and other expenses against your professional income.

Who Qualifies For This Loan?

Accountants who demonstrate that they meet the following eligibility criteria:

  • Individual applicant Annual income of $150,000 (gross) or more (some flexibility here to use rental income or income from professional partner to meet the $150,000 threshold), or will soon to be earning at this level
  • Evidence proving registration to practice as a CPA, CA, CFA or FIAA
  • Owner will occupy the property or purchase it as an investment
  • Application for a maximum loan amount of $2 million dollars
  • Australian Citizens or Permanent Residents only
  • Self-employed accountants with proof that last year’s taxable income was $150,000 or more

Step-by-Step Guide to Your Accountant Home Loan

  1. Eligibility Assessment: Submit CPA/CA/CFA proof and income docs – we check in 24 hours.
  2. Borrowing Maximization: Calculate with full add-backs; compare 35+ lenders.
  3. Pre-Approval: Lock in rates and waivers quickly.
  4. Application & Settlement: Manage trusts/paperwork; settle in 4-6 weeks.
  5. Post-Settlement Support: Annual reviews to refinance as rates drop or income rises.

  6. Ongoing Review – We provide free annual portfolio reviews to refinance when rates drop or your income increases, ensuring you always have the most competitive accountant-specific loan.

Other Professionals That Qualify for Similar Benefits

  1. Many roles in the accounting and finance sector qualify for these exclusive home loan perks, often with the same LMI waivers, rate discounts, and flexible assessments. If you’re in one of these positions, you may be eligible – contact us to confirm based on your qualifications and lender criteria:

    • Actuary
    • Auditor
    • Accounting Legal Professionals
    • Chief Financial Officer
    • Director
    • Finance Director
    • Finance Manager
    • Financial Controller
    • Partner

Free 30-Minute Finance Strategy Session For Professionals

Discover How To Get Approved With A Lower Interest Rate & Save Up To $40,000 In Fees

BOOK STRATEGY SESSION NOW
ENQUIRE NOW
Picture of About the Author: Tom Luu

About the Author: Tom Luu

Tom Luu is a specialist mortgage broker and the founder of Professional Home Loans. With over 9 years of experience in the Australian mortgage industry, Tom specializes in complex lending scenarios, particularly for medical professionals, expats, and temporary visa holders. He is dedicated to helping clients navigate the nuances of Australian credit policies to secure the best possible financial outcomes.

Experience: 9+ Years in Mortgage Broking

Credentials: Credit Representative Number 486574

Expertise: Visa Home Loans, Professional LMI Waivers, and Expat Finance.

Frequently Asked Questions About Home Loans for Accountants

Relevant Links

Can accountants borrow 95% with no LMI in 2026? Yes, select lenders allow 95% LVR (5% deposit) with no LMI for CPA/CA/CFA-qualified accountants with strong income and credit. Ideal for owner-occupied properties.

Is there a minimum income for LMI waivers for accountants? No strict minimum in 2026 – many lenders dropped the $120k-$150k threshold. Even mid-career pros qualify with membership proof.

Can accountants get home loans for investment properties with no LMI? Yes, up to 90% LVR no LMI for investments, supporting negative gearing and portfolio building while conserving capital.

Do home loans for accountants work with trusts? Absolutely – we approve loans for properties in family or unit trusts, maintaining your tax and protection strategies.

What discounts are available for CA ANZ or CPA members? Up to 1.0% off interest rates, plus offset accounts and fee waivers through professional packages from ANZ, NAB, and others.

Can expat accountants on visas get these benefits? Yes, with 10-15% deposits on 482/491 visas; foreign income assessed at 80-90% for borrowing power.

How much can accountants borrow in 2026? $2.7M–$3.5M+ at 90% LVR, depending on income inclusions like add-backs and bonuses.

What documents do self-employed accountants need? Typically one year’s financials, BAS statements, or accountant letters to fully verify income.

Are actuaries or auditors eligible for these perks? Yes – FIAA fellows and auditors with IPA/CA membership access the same waivers and discounts.

How do I get started with a home loan for accountants? Book a free session; provide membership proof and we’ll handle the rest for pre-approval.

How long does it take to get pre-approved as an accountant?
Most of our accountant clients receive pre-approval within 2–4 business days once we have your CPA/CA proof and basic income documents.

Testimonial icon

Getting a home loan was really simple with Professional Home Loans.

“We went overseas during settlement and it was not a problem for them, everything went smoothly and I’m writing this from my new home! “

Jack Clancy

– Physio
Testimonial icon

Well done you made it easy with no BS.

“Couldn’t ask for a better job – until next time (although no time soon, moving was awful). “

Accountant, Mick and Vanessa Renton

– 90% no LMI Brisbane, QLD.
Testimonial icon

No LMI for building home in Sydney as well as 90% LVR no lmi for investment proerpty off the plan in Newcastle.

“Professional Home Loans has provided us with a very professional service, communicating all the available options to us and in the process he has literally saved us $75k that we would have otherwise paid. They certainly go beyond the call of duty. “

Hamilton (Accountant) & Nyari (Doctor) Sydney

– NSW
Testimonial icon

Working for QLD Health achieved 90% LVR no LMI at normal rates - From UK. Sunshine Coast, QLD

“We were able to get a loan at a good rate and avoid paying LMI which saved us several thousand dollars that we can now put towards other things. Very helpful and informative about all aspects of the process, not just the loan, which we really appreciated as it made the whole thing a lot easier for us.”

Craig and Louise (Medical Registrars)

– Sunshine Coast QLD
Testimonial icon

On a contracting basis – she got paid roughly 70% of what she billed.

“We assisted Arlyn with a 90% Mortgage with No Lenders Mortgage Insurance payable so she could buy a house and land package Thanks so much. All credits goes back to you as you helped me make all this happen. I couldn’t thank you enough for the job excellently done. “

Arlyn (Doctor)
– Townsville QLD