You’d never accept these numbers. Neither do we.
No LMI up to 90%
Current CA ANZ, CPA Australia or IPA membership plus a minimum income unlocks a full LMI waiver at up to 90% LVR with several lenders. Actuaries and some CFOs qualify too. Buy sooner, keep your capital working.
Your whole package counts
Bonuses, allowances and RSUs are real money, but plenty of banks discount or ignore them. We place you with lenders that assess your total remuneration the way you would: accurately.
Partners and practice owners
Equity partner distributions, practice profits, trust and company structures, generalist assessors stumble; specialist credit teams read them fluently. Add-backs done properly can transform your capacity.
Efficient, documented, reconciled. As you’d expect.
A call outside month-end
30 minutes whenever suits, even during busy season. We confirm your waiver eligibility and what your package is really worth to a lender.
Three options in 24 hours
Your best accountant-policy lenders, side by side, waiver, rate and structure, with special pricing already requested. You choose; we don’t push.
We run the file
Payslips, membership certificate, distribution statements, submitted digitally and chased to settlement. Then Rate Watch™ re-checks your rate every year, free.
Hear from our happy homeowners.
What accountants ask on the first call.
Which qualifications count for the waiver?
Full membership of CA ANZ, CPA Australia or the IPA is the standard test; actuaries (FIAA) and senior finance executives qualify at some lenders. Most set a minimum income around $120,000–$150,000. Each lender’s list differs, we check them all.
Do bonuses count towards my borrowing power?
At the right lenders, up to 100% with history. Others cap them at 50% or want three years of consistency. If a bonus is a meaningful part of your package, lender choice moves your capacity by six figures.
I own my practice. Am I assessed as self-employed?
Yes, but that’s not a disadvantage with the right lender. One to two years of returns, sensible add-backs (depreciation, one-offs, super above the guarantee) and the waiver can still apply on top.
Can I use the waiver for an investment property?
At several lenders, yes, the professional waiver extends to investment lending at up to 90% LVR. Policy varies, and rate tiers differ between owner-occupied and investment, so it’s worth modelling both.
Your designation is worth more than letterhead.
A free 30-minute call with Nathan, your waiver, your real borrowing power, and the lenders that want accountants. The lender pays us, not you.