HOME LOANS
Home Loans For Professionals Australia
Simpli Finance helps nurses, doctors, dentists, lawyers and accountants with first home purchases, refinancing, investment lending, LMI waiver eligibility and complex income assessment across 50+ lenders.
Home Loans For Professionals
Professionals often have stronger income profiles, more complex income structures and greater borrowing capacity than standard borrowers — but not every lender assesses professionals the same way.
Simpli Finance works with nurses, doctors, dentists, lawyers and accountants to compare lenders, review income treatment, assess LMI waiver eligibility and structure home loans across 50+ lenders.
Who We Help
✓ First home buyers with deposit, HECS or LMI questions
✓ Professionals refinancing existing home loans
✓ Investors building or reviewing a property portfolio
✓ Professionals with complex income — overtime, bonus, locum or self-employed
✓ Professionals checking LMI waiver eligibility
Home Loan Options We Review
Each professional borrower has different goals, income and deposit positions. We review the full picture across 50+ lenders.
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First Home Buyers
Review borrowing capacity, HECS, deposit options, LMI, stamp duty and government scheme eligibility before buying your first home.
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Refinance Review
Compare your current rate, loan structure, equity position and lender options across 50+ lenders.
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Investment Lending
Structure investment property lending with borrowing capacity, equity release and future portfolio growth in mind.
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LMI Waivers
Eligible professionals may borrow above 80% LVR without standard LMI, subject to lender policy and profession.
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Complex Income
Overtime, bonuses, locum income, trust distributions and self-employed income assessed across lender policy.
First Home Buyers
Buying your first home involves more than saving a deposit. We help professionals review borrowing capacity, HECS impact, LMI options, purchase costs and lender policy before applying.
✓ Borrowing capacity and HECS impact
✓ Deposit requirements and LMI estimates
✓ Potential LMI waiver eligibility for eligible professions
✓ Government scheme suitability
✓ Stamp duty and purchase cost estimates
Refinancing
A refinance review looks beyond the interest rate. We compare loan structure, repayment type, equity position, income treatment and lender policy to see whether your current loan still suits your position.
✓ Interest rate comparison across 50+ lenders
✓ Loan structure and repayment review
✓ Equity access for investment or renovation
✓ Income treatment by lender
✓ Exit costs and refinance cost assessment
Investment Property Loans
Investment lending requires careful structuring. We assess equity release, interest-only options, rental income treatment, borrowing capacity and future portfolio impact across 50+ lenders.
✓ Equity release for investment deposits
✓ Interest-only vs principal and interest
✓ Rental income assessment across lenders
✓ Borrowing capacity with existing debts
✓ Future portfolio lending capacity
LMI Waiver Eligibility
Some professionals may qualify to borrow above 80% LVR without paying standard LMI, depending on lender policy, profession, income, registration and loan size. Eligibility is subject to assessment.
✓ Profession eligibility check across lenders
✓ LVR threshold assessment — 80%, 85%, 90%
✓ Income and registration requirements
✓ Owner-occupied and investment loan options
✓ Lender policy comparison
Complex Income Assessment
Many professionals have income that standard lenders do not assess accurately. We identify lenders best placed for your income type.
Overtime & Shift Loading
Relevant for nurses, healthcare workers and shift-based professionals.
Bonus & Commission
Relevant for lawyers, accountants and corporate professionals.
Locum & Practice Income
Relevant for doctors, dentists and medical professionals.
Partnership & Trust Income
Relevant for lawyers, accountants and business owners.
Company & Self-Employed
Relevant for practice owners, contractors and ABN holders.
Home Loans By Profession
Each profession has different income structures, LMI waiver eligibility and lender considerations. Select your profession for more detail.
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Nurses
Overtime, shift loading, HECS, LMI waiver eligibility and refinance strategy for nurses and healthcare workers.
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Doctors
LMI waivers, locum income, registrar income and specialist lending for doctors and medical professionals.
Useful Calculators
Borrowing Power Calculator
Estimate how much you may be able to borrow based on income, expenses and HECS.
LMI Calculator
Estimate LMI costs and check whether your profession may qualify for a waiver.
Refinance Savings Calculator
Estimate potential savings from refinancing your current home loan.
Frequently Asked Questions
Which professionals does Simpli Finance help?
We help nurses, doctors, dentists, lawyers, accountants and other professionals with home loans, refinancing, investment lending, LMI waiver eligibility and complex income assessment across 50+ lenders.
Can professionals get LMI waivers?
Some professionals may qualify for LMI waiver options with certain lenders, subject to profession, income, registration, LVR and full lender assessment. Eligibility is not guaranteed.
Can overtime or bonus income be used?
Some lenders may include overtime or bonus income in serviceability, depending on consistency, history, payslips and lender policy. Each lender assesses this differently.
Can Simpli Finance help with refinancing?
Yes. We compare your current loan against 50+ lenders — reviewing rate, structure, equity, income treatment and lender policy — at no cost.
Do you help first home buyers and investors?
Yes. We help first home buyers with deposit, HECS, LMI and borrowing capacity, and investors with equity release, structure, rental income assessment and portfolio lending.
Ready To Review Your Home Loan Options?
Book a strategy session and we’ll review your profession, income, deposit, equity and lender options — at no cost across 50+ lenders.
General information only. Lending eligibility, LVRs, LMI waivers, rates and approval outcomes vary by lender and are subject to assessment.