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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!


  • 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


  • 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.


  • 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.

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

Step 1 - Enquire

Enquire online
or call us

Step 2

Step 2 - Assess Situation

We assess
your situation.

Step 3

Step 3 - Find suitable loan

We find you the
most suitable loan.

We are experts at finding the right home loan solution
for our customers. Let us help you.

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