Home Loans for Accountants
- We negotiate professional-package pricing for you where lenders run accountant or finance-professional programs - backed by a track record of strong file outcomes when policy fits.
- LMI waived at high LVR when you qualify on eligible programs - often tied to CPA, CA ANZ, or IPA membership and employment rules.
- We line up annual package and fee structures so you see the full cost picture next to the rate - not a headline that hides ongoing charges.
- Get up to $3,000 cashback when lenders run eligible professional or refinance campaigns - we quote what is live at the time you proceed.
- Competitive indicative rates from our panel where offered - lender approval, membership, and your scenario always apply.
Accountant home loans
What we lock in for eligible accountants
Plain-English help on professional-package rates, LMI rules, and how lenders treat bonus, PAYG, and practice income.
Interest rate deals for accountants
Banks publish accountant and professional packages with pricing below the standard advertised rate for eligible members. We show your negotiated price next to the bank’s public rate so the saving is clear.
Enquire nowLMI waived at high LVR (when you qualify)
Many programs waive LMI at 90% or 95% LVR for eligible CPA, CA, or IPA accountants - caps and employment tests apply. Always subject to lender approval and policy.
Enquire nowCashback & package value
When lenders offer cashback for new loans or refinances, we bake it into the comparison. Campaigns change often; we confirm dollar amounts when you are ready to apply.
Enquire nowEligibility
Who lenders usually include in accountant programs
Each bank publishes accepted memberships, job titles, and employment types. If you fit a program, we place you with a lender that recognises your qualification - not one that declines after weeks of paperwork.
Not listed? You may still qualify - professional policies change and firm structure or contract roles can map to selected lenders.
- Employed or practice income that meets the lender’s accountant or professional policy.
- Current membership (e.g. CPA, CA ANZ, IPA) where the bank requires it, plus role that matches their list.
- Loan amount, LVR, and security within that lender’s caps - postcode and property type can matter.
Three easy steps
From first chat to settlement, it's as easy as 1, 2, 3!
Understand your needs
In our first 20-minute chat, we explore your situation and what you want to achieve, so we know we're on the same page from day one.
Reviewing your options
Within a few days, we send clear recommendations from our lender panel and answer your questions: no jargon, just next steps.
Approval through to settlement
When you're ready, we prepare your application, deal with the lender, and stay on top of the process until your loan settles.
FAQ
Home loans for accountants - common questions
Why do banks offer better terms to accountants?
Lenders treat qualified accounting professionals as stable, high-skill borrowers: predictable income, strong financial literacy, and historically solid repayment behaviour. That supports LMI waivers and rate discounts on selected professional programs - each bank sets its own list and caps.
What membership do I need for an LMI waiver?
Most accountant programs expect current membership with CPA Australia, Chartered Accountants Australia & New Zealand, or the Institute of Public Accountants, plus employment that matches the lender’s policy. Some banks include additional bodies or firm partners - we confirm before you pay application fees.
Can you use my bonus, overtime, or partnership drawings?
Yes - policies differ: some lenders take 100% of consistent bonus, others average two years; partnership or trust income needs tax returns and financials that match the lender’s self-employed rules. We map you to banks whose income methodology fits your actual payslips and returns.
I run my own practice - am I still eligible?
Often yes, with two years of tax returns most common; a smaller set of lenders may consider one year for strong files. Trading history, distributions, and entity structure all matter - we shortlist lenders that understand practice income, not a generic self-employed template.
Do I pay a broker fee?
For most home loans we’re paid by the lender on settlement. We explain how that works before you commit.
Can a mortgage broker in Sydney help accountants who live interstate?
Yes. Lender policy is national. Our office is in Brookvale on the Northern Beaches; most of the work happens by phone, video and secure document upload.
How do I start an enquiry?
Use the form on this page or call 1300 992 837. The first conversation is no-obligation — we confirm whether a professional program is realistic before you pay application or valuation fees.
Do you have a Northern Beaches office?
Yes. Approved Property Finance is at 2/658 Pittwater Road, Brookvale NSW 2100.
Our lenders
We compare offerings from 70+ banks and non-bank lenders to find a fit for you
More choice means a better chance of matching your scenario, whether you're buying, investing, or refinancing.
- CommBank
- Westpac
- ANZ
- NAB
- Macquarie
- ING
- Suncorp
- Bankwest
- St.George
- BankSA
- ME Bank
- Bluestone
- Adelaide Bank
- Citi
Enquire about accountant home loans
Tell us your membership, income type (PAYG, bonus, or practice), and whether you’re buying or refinancing - we’ll come back with lender options that fit professional policy.