Professional Home Loan Packages

Professional Home Loan Packages

Exclusive lending perks for doctors, accountants, lawyers,

5.19%variable Rate*

5.20%Comparison Rate*

Who is eligible?

Not everyone gets access to professional lending benefits, but if you work in a recognised field, you could walk right through the front door.

Pay no LMI up to

90% LVR

Any of these professions are likely to qualify for a professional home loan at 90% LVR and LMI exemption:

Medical & Health

Nurses

Pharmacists

Physiotherapists

Optometrists

Occupational Therapists

Radiographers

Psychologists

Chiropractors

Veterinarians

Legal & Finance

Accountants (CPA/CA)

Auditors

Actuaries

Lawyers / Solicitors / Barristers

Bank Employees

Staff of major Australian banks (conditions apply)

See Full List

This list is subject to potential changes and may vary between lenders*

Pay no LMI up to

95% LVR

This list of professions can qualify for a professional home loan with 95% LVR and full LMI exemption:

Doctors & Specialists

General Practitioners (GP)

Hospital Doctors (Intern / Resident / Registrar)

Surgeons (various specialties)

Dentists

Anaesthetists

Cardiologists

Orthopaedic & Plastic Surgeons

Paediatric Specialists

Psychiatrists

Radiologists

See Full List

This list is subject to potential changes and may vary between lenders*

This is where it gets juicy…

What are the benefits?

Up to 95% LVR

Buy sooner with a lower required deposit and pay no LMI…saving tens of thousands upfront.

Up to 90% LVR

More careers now qualify for higher LVR lending, allowing professionals to enter the market faster.

Higher Borrowing Capacity

Your high income is recognized, meaning you may borrow more than the average applicant!

Faster Approval Times

Streamlined application options minimize paperwork, making it easier to get approved.

Priority Assessment

Your is reviewed ahead of standard queues, meaning you get into the market before others do!

Exclusive Rate & Fees

Access to special interest rates and lowered fees, better terms, flexibility and more purchasing power!

Am I eligible? Let’s find out

(Qualifying is easier than most people think!)

We compare all the bevanks, so you don’t have to

We compare 60 of the best lenders

Scan through over 260 loan options

Zero hidden fees, as it should be*

3 best options, presented to you

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Mobile version of Loanity Lender panel scaled - loanity

How To Apply

Free Consultation

We call you back fast and give you as much free, upfront guidance as you need — zero obligation.

Compare Options

We’ll scan amongst the best loan options and present the top 3 to you.

Start Saving Now!

Your loan is usually approved and settled in under a week. Speed is our superpower!

Let’s start step by step.
Hit that button now!

Free 30 Minute Consultation

STILL GOT QUESTIONS?

Answer to your questions

Which professions are eligible for professional home loan packages?

Professional loan packages are typically tailored for high-income earners in specialized fields. This includes medical professionals (doctors, dentists, specialists), legal professionals (lawyers, solicitors, barristers), and accounting professionals (CPAs, actuaries, auditors). At Loanity, we have access to specific lender panels that recognize these stable career paths and offer exclusive benefits not available to the general public

How can I buy a home with a 10% deposit and no LMI?

One of the biggest advantages of a professional package is the Lenders Mortgage Insurance (LMI) waiver. While most buyers must pay LMI if their deposit is under 20%, eligible professionals can often borrow up to 90% (and sometimes 95% for medical staff) without paying a cent in insurance. This can save you between $10,000 and $30,000 in upfront costs, allowing you to keep your capital for other investments.

Do professional packages offer lower interest rates than standard loans?

Are there specific benefits for medical professionals and doctors?

Medical professionals often receive the most significant benefits in the Australian market. This can include LMI waivers on loans up to $4.5 million, higher borrowing power assessments, and the ability to use “future income” or private practice earnings for serviceability. Whether you are a GP, an intern, or a surgeon, Loanity can help you leverage your medical status to secure a premium mortgage structure.

Can I get a professional package if I am a contractor or partner in a firm?

Can Loanity help me if I’m self employed or have non-standard income?

Stop waiting.
Just do it now.

No fees. No obligation. A free consult and handy
resources. No strings attached.

Give me my spot!