You spend your career managing other people's numbers. It's time someone managed yours. Lend & Loan specialises in home loans for accountants, CPAs, and chartered accountants — connecting you with lenders who recognise your qualifications and offer LMI waivers for eligible professionals.
📅 Book Free ConsultationEligible occupations: Accountants, Actuaries, Auditors, CFOs (Chief Financial Officers), Finance Managers
Core requirement: Must be employed directly within the industry and earning income from their qualification. Evidence of membership or registration must be dated within the last 12 months. Not restricted to any particular firm. Eligible qualifications include:
Eligible members may work in public practice, corporate accounting, government, or run their own firm. Eligibility and LVR limits vary by lender — we compare across our 50+ panel to confirm exactly what you qualify for.
Select Australian lenders extend LMI waiver benefits to qualified accountants — recognising the income stability and professional standing of CPA, CA, and IPA members. On loans up to 90% LVR, the LMI premium is waived entirely, saving eligible accountants $15,000–$35,000 upfront.
LMI is normally charged when you borrow above 80% of a property's value. For credentialled accounting professionals, it's removed — because lenders understand that your income trajectory and financial discipline make you a lower-risk borrower.
Accountant income can range from straightforward PAYG to multi-entity structures. We correctly present all income types including:
We verify your current accounting body membership and confirm which professional package lenders you qualify for.
We review your full income picture — salary, practice distributions, dividends, trust income — and calculate your true borrowing capacity.
We compare 50+ lenders to find the best rate, LVR, and policy for your specific income structure and purchase goal.
We manage all paperwork, lender liaison, approval, and settlement — so you can focus on your practice and clients.
Yes — select lenders offer LMI waivers to qualified accountants with current CPA Australia, Chartered Accountants ANZ, or IPA membership. The waiver typically applies up to 90% LVR, saving $15,000–$35,000 upfront.
Yes. Self-employed accountants and practice owners qualify under professional lending policies with many lenders. We correctly present practice income, trust distributions, and director fees to maximise your borrowing capacity. Low-doc options are also available.
Most lenders accept CPA or FCPA (CPA Australia), CA or FCA (Chartered Accountants ANZ), MIPA or FIPA (IPA), and CIMA. We confirm eligibility across our full lender panel at no cost to you.
Yes. Most professional lending policies extend to investment loans as well as owner-occupied purchases. We compare lenders to find the best rate and structure for your specific goal.
Book a free consultation with John Pierre Saliba. We'll confirm your LMI waiver eligibility, assess your full income, and compare 50+ lenders to find your best rate — at no cost to you, ever.
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