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Our award-winning mortgage brokers will find you the right home loan for your situation.
Doctors are eligible for
100% waived LMI
Doctors and select medical professionals are seen as a lower risk so select banks are willing to waive the cost of mortgage insurance when they borrow up to 100% of the property value. That means no deposit and no mortgage insurance!
Doctors:
- Borrow 100% with waived LMI
- Preferred professionals only including general practitioners (GPs), dentists, optometrists, veterinarians, chiropractors and pharmacists.
- Max loan size of $4.5 million.
- Must be a member of a relevant industry organisation (e.g. AMA).
Other professionals are eligible for
90% no LMI
Accountants:
- Borrow up to 90% with waived LMI
- Includes chief financial officers (CFO), finance managers, auditors and actuaries.
- Max loan size of $2.0 million.
- Must be a member of a relevant industry organisation.
Lawyers:
- Borrow up to 90% with waived LMI
- Includes barristers, judges and solicitors.
- Max loan size of $2.0 million.
- Must be a member of a relevant industry organisation.
The policy for this is complicated, please contact us to see if you qualify.
DHA investors can get in on the action too
Investors can borrow up to 90% to buy a Defence Housing Australia (DHA) property and avoid mortgage insurance.
This is available with select lenders because of the rental guarantee that comes with DHA properties.
You don’t need to be working in a particular role or industry to qualify!
Good borrowers with a
15% deposit
Borrowers who aren’t one of the professionals listed above would normally be charged LMI when borrowing over 80%.
The exception to this is great borrowers with a perfect credit history borrowing no more than 85%.
Other conditions apply:
- You’re buying a property (refinancing to purchase a property may be accepted).
- Max loan size of $1.0 million.
- Max $1.5 million in total loans with no LMI.
- Major metro areas only.
- Properties in Sydney require the combined income of all borrowers to be over $180,000 (excluding rental income).
How much can you save by
avoiding LMI?
If you were borrowing $900,000 for a $1 million property (90% of the property value), you could save over $27,000 just by not having to pay an LMI premium.
To be clear, you would be declined for a home loan if you were to apply with no deposit and no guarantor.
More often than not, you save a lot more avoiding the cost of mortgage insurance than by getting a cheaper interest rate.
- Anesthesiologist
- Anaesthetist
- Cardio Thoracic Surgeon
- Cardiologist
- Cardiothoracic Surgeon
- Chiropractor
- Clinical Pharmacologist
- Cosmetic Surgeon
- Dental Specialist
- Dentist
- Dermatologist
- Doctor
- Ear and Throat Surgeon
- Emergency Doctor
- Emergency Medicine Specialist
- Emergency Surgeon
- Endocrinologist
- Gastro Intestinal Surgeon (Upper/Lower)
- Gastroenterologist
- General Practitioner (GP)
- General Surgeon
- Gynaecologist
- Haematologist
- Heart Doctor
- Heart Surgeon
- Hepatologist
- Herpetologist
- Immunologist
- Maxillofacial Surgeon
- Medical Administrator
- Medical Practitioner
- Nephrologist
- Neurosurgeon
- Neurologist
- Obstetrician
- Oncologist
- Ophthalmologist
- Optometrist
- Oral and Maxillofacial Surgeon
- Oral Surgeon
- Orthodontists
- Orthopaedic Surgeon
- Otolaryngologist
- Paediatric Surgeon (Neonatal/Perinatal)
- Paediatrician
- Paediatric Surgeo (Neonatal/perinatal)
- Pathologist
- Pharmacist
- Physician
- Plastic Surgeon
- Psychiatrist
- Physiotherapist
- Radiologist
- Radiation Oncologist
- Reconstructive Surgeon
- Respiratory Surgeon
- Respiratory/Thoracic Surgeon
- Rheumatologist
- Specialist Physician
- Surgeon
- Thoracic Surgeon
- Urologist
- Vascular Surgeon
- Veterinarian
- Dental specialist
- Anesthesiologist
- Anaesthetist
- Oral Surgeon
- Orthodontist
- Orthopaedic Surgeon
- Epidemiology
- Biomechanics
- Neurophysiology
- Kinesiology
- Sports chiropractic
- Animal chiropractic
- Academic Pharmacist
- Clinical Pharmacy Specialist
- Community Pharmacist
- Compounding Pharmacist
- Consultant Pharmacist
- Drug Information Pharmacist
- Home Health Pharmacist
- Hospital Pharmacist
- Industrial Pharmacist
- Informatics Pharmacist
- Locum Pharmacist
- Managed Care Pharmacist
- Military Pharmacist
- Nuclear Pharmacist
- Oncology Pharmacist
- Pharmacist prescriber
- Regulatory-Affairs Pharmacist
- Veterinary Pharmacist
- Pharmacist Clinical Pathologist
- Pharmacist Clinical Toxicologist
- Intern doctor (internship)
- Resident doctor (residency)
- GP Registrar
- House Medical Officer (HMO/residency)
- Resident Medical Officer (RMO/residency)
- Junior Medical Officer (JMO/residency)
- Medical Registrar
- Supervised Doctor
- Surgical Registrar
- Orthopaedic Registrar
- Barrister
- Lawyer
- Partner (Legal)
- Solicitor
- Judge
- Accountant
- Auditor
- Actuary
- Chief Financial Officer (CFO)
- Financial Manager
- Partner (Accounting)
- Professional Olympic Athlete
- Professional Cricket Player
- Professional Rugby Player
- Professional NRL Player
- Professional AFL Player
- Professional Soccer Player
- Professional Golfer
- Professional Basketball Player
- Professional Baseball Player
- Professional Rower
- Professional Hockey Player
- Professional Motor sports
- Professional Cyclist
- Professional Tennis Player
- Professional Surfer
- Professional Equestrian
- Professional Swimmer
- Actor/actress
- Model
- Musician/Singer/Composer
- DJ
- Photographer
- Filmmaker
- Producer
- Film Director
- Journalist
- Presenter
- Commentator
- Writer/Author
- Surveyors (Mining)
- Mine surveyor
- Quantity surveyor (Mining)
- Geologists
- Geophysicists
How we find you the right solution
We get a complete understanding of where you’re at and what your ultimate goals are.
You’ll get a recommendation in just 3 easy steps.
Step 1
Enquire online
or call us
Step 2
We assess
your situation.
Step 3
We find you the
most suitable loan.
Testimonials for Home Loan Experts
4.7 
4.7 
4.8 
“ …They’re a team of highly motivated, efficient and professional individuals that really go the extra mile and strive for the best outcome. The team we’re able to get me waived LMI as a pharmacist saving me 1000’s of dollars.”
Mikie
“ …He was able to quickly and with minimal fuss, find us a loan at a good rate when others told us it would be too hard. Very impressed with their service and would highly recommend the home loan experts in the future”
Kim T
“ …offered fast service and made the whole refinance process simple. And I love simple!
Thank you for getting me a great deal with a home loan that really suited my needs….”
Tracey A
“ …absolutely outstanding!!!! I would give more than 5 stars if I could. My partner and I cannot speak highly enough of him. Our situation is quite a difficult one and this is our first time buying a home, but nothing was too difficult….”
“ …provided an excellent service that included very quick turnaround in getting our applications processed and providing guidance and valuable advice in trying to secure a home loan for us…..”
Chavi U
“ …made the application and settlement process incredibly easy and stress-free. They provided very clear information and responded to any queries quickly. They were very transparent about all aspects of the process.”
Eamonn M