- LMI waived entirely for eligible professions
- Real money back in your pocket at settlement
- No hidden fees or conditions
- Access up to 90% LVR
- No LMI premium to pay
- Keep more cash in your offset account
- Major banks and specialist lenders compared
- Access programs most brokers can’t reach
- We negotiate on your behalf
- Conditional approval within two business days
- Fast-tracked for professional applicants
- Clear timeline given on your first call
loans settled
3,200+ reviews
their first home
for every client
Is Your Profession On the List?
Many professionals can access LMI waivers through major lenders. Select your category below to explore your options.
40+ more
What $0 LMI actually means for you
LMI is usually a large upfront cost that protects the lender. Eligible professionals can skip it entirely. Here’s how that translates into real savings.
| Property Value | 10% Deposit | LMI Without Waiver | Your Saving |
|---|---|---|---|
| $600,000 | $60,000 | ~$11,400 | $16,800 |
| $800,000 | $80,000 | ~$16,800 | $16,800 |
| $1,000,000 | $100,000 | ~$21,300 | $21,300 |
| $1,200,000 | $120,000 | ~$31,900 | $31,900 |
“This is real money — not a discount. An exemption. Most of our professional clients redirect their LMI saving into their offset account from day one.”
LMI estimates are indicative, based on 90% LVR principal & interest loans. Exact amounts vary by lender, loan amount, and borrower profile. Your broker will confirm your specific saving on the first call.
See What you’d SaveLenders we work with for professional LMI waivers
40+ more
Your bank gives you one option. We give you 50+.
Your bank only offers its own LMI waiver policy. We compare options across 50+ lenders and match them to your profession, income structure, and timeline.
Access Programs Banks Don’t Advertise
Some of the best LMI waivers aren’t publicly advertised. We know which lenders offer them and how to get you approved.
Complex income? We make it work
From self-employed to structured income, we package your scenario the right way so it actually gets approved.
Work with a specialist
You’ll speak with a broker who understands professional lending, your options, and your likely outcome from the start.
Expert help, Zero Cost
We’re paid by the lender when your loan settles so you get expert guidance without paying out of pocket.
From professionals who’ve done it.
Real outcomes. Names abbreviated for privacy. Profession and LMI saving verified at settlement.
“Great experience – The Home Loan Experts were very professional, they helped me save paying the LMI. Would recommend.”
Pete C.
“Great understanding and excellent outcome – If you are a medical professional, ask for Romy Dhungana. He was able to deal directly with the health banker to negotiate a very competitive loan, which was also complicated by other factors such as maternity leave. “
David L
“Will never have another Broker – My Partner and I found HLE when we were looking to buy our first home in 2019, I spoke with Mohit and he made everything so easy to understand and was incredibly helpful. “
Amber
Three steps. No surprises.
We know you’re time-poor. Here’s exactly what the process looks like — and how long each step takes.
15-minute specialist call
15-minute specialist call
You speak with a broker who specialises in professional lending. They’ll assess your situation and tell you exactly which lenders and programs suit your profile.
15 minutesFull assessment & recommendation
Full assessment & recommendation
We compare waiver programs across 50+ lenders and recommend the best fit for your income structure, LVR, and timeline. No pressure, no obligation.
Within 48 hoursWe handle everything
We handle everything
From application through to settlement, your broker manages the whole process. You focus on your practice — we focus on your loan.
2–4 weeks to approvalQuestions professionals ask every day
Not generic FAQs — the specific objections high-intent professionals raise before they book a call.
No. Eligible professionals can borrow up to 90% LVR — meaning a 10% deposit plus purchase costs. Some lenders go to 95% for specific professions and loan sizes. Your broker will confirm exactly what’s available for your category on the first call.
Yes. Most lenders on our panel accept practice income, partnership distributions, and company profits — including retained earnings that don’t appear as take-home pay. Our brokers know exactly how each lender assesses professional income structures, including base salary combined with specialist fees or variable billings.
Many lenders accept as little as 12 months of practice history, and some accommodate newly registered professionals under the right conditions. If you’ve recently started or are still building your income history, tell us — we’ll identify which lenders are most flexible for your timeline and situation.
Yes, it matters significantly. Each lender sets their own eligibility criteria, LVR limits, and approved profession lists. We work across 50+ lenders including the major banks, and we know which institutions offer the strongest terms for your specific profession, income structure, and borrowing amount.
No. Our brokers are paid by the lender at settlement — there is no cost to you for the assessment, recommendation, or application support. The rate and loan terms you receive are identical to going directly to the lender.
Most clients receive a conditional approval within 3–5 business days of submitting a complete application. From first call through to settlement typically takes 3–6 weeks, depending on the lender’s turnaround and your documentation readiness.