You've made partner. Your mortgage should reflect it. Lend & Loan specialises in home loans for partners at Australia's leading law and accounting firms — giving you access to LMI waivers, higher borrowing limits, and lenders who know exactly how partner income works.
📅 Book Free ConsultationTo qualify under the Partner Policy, the applicant must be a confirmed partner at one of the below firms. Partnership status is confirmed during income verification. Specific income verification rules apply under self-employed income — Partners from selected companies.
Not at one of these firms? You may still qualify under a broader professional lending policy. Book a free consultation and we'll confirm what's available to you.
Select Australian lenders maintain a dedicated Partner Policy for partners at named law and accounting firms. This policy recognises that partner income — while structured differently to a standard salary — represents one of the highest-earning and most stable income profiles in the country.
The headline benefit is a waiver of Lenders Mortgage Insurance (LMI) on home loans up to 90% LVR, saving eligible partners $15,000–$40,000 upfront. The policy also allows borrowing in the partner's own name, or through related company or trust structures where direct ownership or directorship is evident.
Partner income is complex, it doesn't fit the standard PAYG mould. We correctly structure and present all components of your income, including:
The Partner Policy supports flexible ownership and lending structures:
We confirm your partnership at an eligible firm and identify the right lender policy for your income structure and borrowing goals.
We review your full income picture — drawings, distributions, trust income — and calculate your true borrowing capacity under partner-specific assessment rules.
We compare 50+ lenders to identify the competitive rate, LVR, and ownership structure — whether that's your own name, a trust, or a company.
We manage all paperwork, lender liaison, approval, and settlement — so you can focus on your practice and your clients.
Yes — partners at select Australian law and accounting firms can access LMI waivers on loans up to 90% LVR through a dedicated Partner Policy. Eligible firms include Allens, Clayton Utz, Herbert Smith Freehills, King & Wood Mallesons, Minter Ellison, and Norton Rose Fulbright on the law side, and Deloitte, EY, KPMG, PwC, Grant Thornton and others on the accounting side. Partnership status must be confirmed during income verification.
Partner income is assessed under self-employed income rules — specifically the Partners from selected companies verification pathway. This means your drawings, profit distributions, and any targeted income components are reviewed. We structure your application to present your full income picture accurately and maximise your borrowing capacity.
Yes. The Partner Policy allows applications in the partner's own name, or through a related company or trust entity — provided direct ownership and/or directorship by the qualifying partner is evident. Lending can also be in a spouse's or related entity's name where the partner is involved at least as guarantor.
Yes. The named-firm Partner Policy is one pathway, but many lenders also offer broader professional lending packages for legal and accounting professionals regardless of firm. We compare 50+ lenders to find the best structure and rate for your situation — whether or not your firm is on the standard eligible list.
Book a free consultation with John Pierre Saliba. We'll confirm your eligibility, structure your income correctly, and compare 50+ lenders to find your competitive rate at no cost to you, ever.
📅 Book Free Consultation