Lending policies built around your profession.
Specialised Lending
Unique lending products and policies for the professions lenders compete hardest to win, including LMI waivers, higher LVRs and tailored servicing.
Overview
What we do for you.
Many lenders offer specialised lending products and policies for select professions and industries, from waived LMI and discounted pricing through to higher LVR allowances and tailored servicing models. We have access to the bank and non-bank lenders who write this business, and we know which policies actually apply to your circumstances. All facilities remain subject to the relevant lender's credit assessment.
- Healthcare professionals, doctors, dentists, pharmacists, vets
- Legal, accounting & financial services
- Mining, engineering & resources
- Agribusiness & farming
- Defence force personnel
- Education, teachers & academics
Frequently asked
What clients ask us most.
- Who qualifies for specialised lending policies?
- Eligibility is profession-driven and varies by lender. Medical, legal, accounting, financial advisory, mining, agribusiness and defence professionals typically attract the strongest concessions, but the specifics (income thresholds, registrations, employment type) shift between lenders.
- What concessions can I expect as a medical professional?
- Many lenders waive LMI to 90–95% LVR for eligible medical professionals, and a smaller number stretch to 100% on owner-occupier purchases. Pricing discounts and policy carve-outs (e.g. how locum and contractor income is assessed) are also common.
- Do specialised policies apply to investment and commercial loans?
- Yes. Several lenders extend their professional concessions to investment property and self-employed practice purchases, including commercial premises bought through your own entity. We match the scenario to the right policy, not the loudest brand.
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