GUIDES
The Professional Lending Guide
A practical guide for nurses, doctors, dentists, lawyers and accountants who want to understand income assessment, borrowing capacity, LMI waiver eligibility, refinancing and property lending strategy.
Browse Resources
What The Guide Covers
✓ How lenders assess professional income
✓ How overtime and bonuses may be treated
✓ How HECS can affect borrowing capacity
✓ What LMI waivers are and who may qualify
✓ How refinancing can be reviewed
✓ How investment lending structure works
✓ How to prepare before applying
✓ Questions to ask before choosing a lender
What The Guide Covers
🏥
Nurses
For nurses wanting to understand overtime, shift loading, HECS, casual income and refinance options.
⚕️
Doctors
For doctors and medical professionals wanting to understand LMI waiver options, locum income and borrowing capacity.
🦷
Dentists
For dentists wanting to understand professional LMI policy, practice income and investment lending.
⚖️
Lawyers
For lawyers wanting to understand bonus income, partnership income and LMI waiver eligibility.
📊
Accountants
For accountants wanting to understand PAYG, self-employed, trust and company income treatment.
Why It Matters
Your profession can change how lenders assess your income, deposit, borrowing capacity and LMI position. Two lenders may look at the same professional borrower differently. This guide helps you understand the key lending areas to review before applying or refinancing.
Related Resources
Want Help Applying This To Your Situation?
Book a strategy session and we’ll help review your profession, income, deposit, equity and lender options.
General information only. Lending eligibility, LMI waiver policies, rates and approval outcomes vary by lender and are subject to assessment.