Investment property loans and home loans for professionals.
Are you a working professional looking for an exceptional home loan deal? The Big Four banks have a keen eye on borrowers working in a professional capacity, allowing degree-qualified income earners to benefit from LMI waivers and loans up to 95% of the property value. Find out how you can take advantage.
“Ronil is an exceptional mortgage broker - capable, helpful, and highly knowledgeable. He gets things done efficiently, making the entire process smooth and stress-free.
“Highly recommended!”
Our lending solutions for professionals.
- Home Loans. Make your dream home a reality by first finding your dream loan.
- Investment Property Loans. Get the best funding options for your investment property. .
- Refinancing. Time to review your loan? We’re here to help you refinance.
LMI waiver for professionals.
Trusted Australian professionals can benefit from exclusive deals with selected banks, even seeing Lenders Mortgage Insurance (LMI) waived on their home loan or investment property loan.
What is Lenders Mortgage Insurance (LMI)? Lenders Mortgage Insurance (LMI) is a once-off premium, typically 1%-5% of your loan, that safeguards the bank if a borrower fails to repay. This means that a home loan of, say, $600,000—which would otherwise incur LMI—will avoid between $6,000 and $30,000 of premiums with an LMI waiver for professionals.
It doesn’t end there. Where most banks’ policies allow up to 80% LVR without incurring lenders mortgage insurance, we have access to lenders that allow up to 95% LVR on new borrowings.
If you’re a professional with a standard home loan or investment property loan, it could be time to refinance.
Which professionals are eligible for exclusive lending offers?
The bank rewards low-risk professionals that fall into one of many categories, including:
- Lawyers & Conveyancers
- Accountants (including CAs and CPAs)
- Financial Planners
- Engineers
- Doctors & Surgeons
- Dentists
- Veterinarians
Want to know if you can take advantage of an LMI waiver as a professional?
Why use a broker? Why not go directly to the bank?
Whether you’re an accountant, lawyer or allied health professional, your time is valuable. And dealing directly with the bank can consume precious hours better spent on what you do best.
That’s why it’s not just money that a broker will save you—but time, too.
Before walking through the bank’s door, you’ll want to know whether you meet their unique eligibility criteria. (For example, did you know each bank applies their own minimum salary threshold—anywhere between $90,000 and $150,000? Some lenders even want to see that you’re included in your profession’s peak body or association.)
At Coin Capital, we’ve spent over a decade dealing with 30+ Australian banks and lenders, and we specialise in understanding their unique lending policies—so you don’t have to.