Home Loans for Accountants and Actuaries
At Brampton Finance, we understand that accountants and actuaries often have strong financial positions but may not always receive the most tailored lending solutions from the banks. As trusted professionals, you may be eligible for specialist home loan packages designed exclusively for your profession.
Whether you are a partner in a firm, a salaried accountant, or a qualified actuary, Brampton Finance can help you secure competitive interest rates, higher borrowing power, and Lenders Mortgage Insurance (LMI) waivers with major banks and lenders.
Why Accountants & Actuaries Get Home Loan Benefits
Banks recognise accountants and actuaries as low-risk borrowers due to their stable income, professional qualifications, and financial expertise. As a result, lenders may offer:
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LMI Waivers – Borrow up to 90% of the property value without paying costly Lenders Mortgage Insurance.
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Higher Borrowing Power – Lenders are often more flexible with income assessments for accountants in public practice or partnerships.
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Discounted Interest Rates – Access to professional packages with reduced variable and fixed rates.
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Flexible Loan Structures – Including offset accounts, interest-only terms for investments, and tailored refinancing options.
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If you’re a partner at one of Australia’s leading law or accounting firms, you may be eligible for streamlined approval and enhanced lending terms.
Who Qualifies?
Eligible professionals include (but are not limited to):
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Chartered Accountants (CA)
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Certified Practising Accountants (CPA)
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Institute of Public Accountants (IPA) members
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Actuaries recognised by the Actuaries Institute of Australia
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Senior finance professionals or partners within recognised accounting and actuarial firms
How Brampton Finance Helps
Our role is to navigate the complex lending policies across different banks and secure the best professional home loan package for your needs. We work with a wide range of lenders, including major banks like Westpac, NAB, and ANZ, who offer exclusive benefits to accountants and actuaries.
We assist with:
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First home loans
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Investment property loans
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Refinancing existing loans for better rates
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Debt restructuring to maximise tax efficiency
Frequently Asked Questions
1. Can accountants really get an LMI waiver up to 90%?
Yes. Many lenders, including major banks, will waive LMI for eligible accountants borrowing up to 90% of a property’s value.
2. Do I need to be a CPA or CA to qualify?
Most lenders require formal membership with CA, CPA, or IPA for accountants. For actuaries, membership with the Actuaries Institute is typically required.
3. I’m self-employed. Do I still qualify?
Yes, provided you are a qualified accountant or actuary and can provide sufficient financials.
4. Will these loans give me lower interest rates?
Yes. Professional home loan packages generally come with discounted interest rates and flexible features.
Get Started Today
At Brampton Finance, we specialise in helping professionals like you access the exclusive lending benefits available for accountants and actuaries.
Call us on 02 9389 1077 or
Email info@bramptonfinance.com.au to discuss your options.