You read the fine print for a living. So do we.
No LMI up to 90%
Hold a current practising certificate and meet the income threshold, and several lenders waive lenders mortgage insurance entirely at up to 90% LVR. Solicitors, barristers and judges qualify; in-house counsel at some lenders.
Bonuses and billables counted
Performance bonuses make up a serious slice of legal pay, and many banks shade them to 50% or average them away. We place you with lenders that count your actual remuneration, which can mean hundreds of thousands more.
Partners and barristers welcome
Partnership draws, trust distributions, or a barrister’s sole-trader income from chambers, these confuse generalist credit teams. The right assessors see them every week and treat them as the strong income they are.
Built to fit between matters, not banking hours.
A call that fits your calendar
Before court, after close of business, 30 minutes whenever works. We confirm your waiver eligibility and what your full remuneration is worth to a lender.
Three options in 24 hours
Your best legal-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, practising certificate, partnership statements, submitted digitally and chased to settlement while you’re on the record. Then Rate Watch™ re-checks your rate every year, free.
Hear from our happy homeowners.
What lawyers ask on the first call.
Which legal roles qualify for the waiver?
Solicitors and barristers with a current practising certificate qualify at most participating lenders; judges and some in-house counsel also make the list. Most lenders set a minimum income, commonly $120,000–$150,000, and each keeps its own criteria. We check you against all of them.
I’m a barrister, how is my income assessed?
As a sole trader, usually on your last one to two years of tax returns. Lenders familiar with the Bar understand chambers costs, irregular fee income and the step-up after taking silk, presentation to the right assessor makes a significant difference.
Do my bonuses actually count?
At the right lenders, up to 100% with a one- or two-year history. At the wrong ones, they’re halved or excluded. Same payslip, very different borrowing power, this is often the single biggest gap between quotes.
I recently made partner. Does that reset my employment history?
It can, some banks treat new equity partners as newly self-employed and want two years of figures. Others assess you on your track record and the firm’s distribution statements. We route you to the second kind.
Find out what your practising certificate is worth.
A free 30-minute call with Nathan, your waiver, your real borrowing power, and the lenders that want lawyers. The lender pays us, not you.