Home Loans for Accountants & Auditors

Accountants and auditors, known for their stable incomes and strong financial expertise, often qualify for special benefits when applying for home loans. Lenders see these professionals as low-risk borrowers due to their reliable earnings and detailed understanding of financial management. As a result, accountants and auditors are eligible for Lenders Mortgage Insurance (LMI) waivers, even when they have less than a 20% deposit, allowing them to save tens of thousands in upfront costs. Additionally, they can benefit from competitive interest rates and higher borrowing limits, making it easier to secure favourable terms and achieve their homeownership goals.
Speak to an Expert and
Get Your Mortgage Approved
To get started on your journey of securing a home loan, fill in the form below, and an experienced mortgage broker will contact you about your personal situation. You can also call us directly on (02) 9188 9398.
How Much Can Accountants Borrow?
Borrow up to 90% of the property value with NO LMI
Accountants and auditors in Australia can borrow up to 90% of a property’s value without the need for Lenders Mortgage Insurance (LMI). This is a significant advantage, as it allows them to secure a home loan with only a 10% deposit while saving thousands of dollars in upfront LMI costs. Lenders are often willing to waive LMI for accountants and auditors due to their stable and reliable income, making them low-risk borrowers in the eyes of financial institutions.
This benefit is particularly helpful for first-time buyers or those looking to expand their property portfolio, as it reduces the upfront financial burden and provides greater flexibility. By borrowing up to 90% of a property’s value, accountants and auditors can enter the property market sooner and take advantage of competitive loan options without needing to wait until they’ve saved a larger deposit.
Which Accountants are Eligible?
The following accounting and finance professionals are eligible for home loans with no LMI:
- Chartered Accountants
- Certified Practicing Accountants
- Auditors
- Actuaries
If you are unsure whether you are eligible, contact us and we can help you with your situation. Even if you do not qualify for an accountant home loan, we can help you find the best mortgage for your needs.
Important Info about
Home Loans for Accountants
How Much Money Do I Save?
By waiving your LMI, you save tens of thousands of dollars, but the exact amount will depend on various factors including your loan amount and the LVR. We have found that most accountants secure loans with 90% LVR, so we have included a table below with the estimated LMI savings based on different property values and 90% LVR.
Property Value | Loan Amount (90% LVR) | Lenders Mortgage Insurance Saved LMI Saved |
---|---|---|
$500,000 | $450,000 | $13,227 |
$750,000 | $675,500 | $27,486 |
$1,000,000 | $900,000 | $36,712 |
$1,250,000 | $1,125,500 | $50,314 |
$1,500,000 | $1,350,000 | $60,519 |
$1,750,000 | $1,575,500 | $70,723 |
$2,000,000 | $1,800,000 | $80,928 |
$2,250,000 | $2,025,500 | $91,133 |
$2,500,000 | $2,250,000 | $101,338 |
$2,750,000 | $2,475,500 | $111,542 |
$3,000,000 | $2,700,000 | $121,747 |
$3,500,000 | $3,150,000 | $142,157 |
$4,000,000 | $3,600,000 | $162,884 |
$4,500,000 | $4,050,000 | $183,614 |
$5,000,000 | $4,500,000 | $204,344 |
We Help Accountants with their
Home Loans
At Eden Emerald Mortgages, we deliver a superior lending experience by combining deep industry knowledge, effective communication, and genuine care, while helping accountants and auditors buy property.
With over 40 years of collective expertise, our team offers competitive rates and a broad array of No LMI loan products through a strategic network of over 40+ lending partners for residential borrowers.

What We Offer
Why Choose
EE Mortgages?
Eden Emerald Mortgages is the #1 mortgage broker in Sydney, as rated by the Canberra Times. Our team specialises in mortgages for accountants and we have particular expertise with high LVR loans with No LMI. We have been in business since 2007 and secured hundreds of loans for accountants. We offer our friendly, personalised services and advice at no cost at all, with no obligation to continue with us.
Get in touch, and an expert will call you back
- We partner with over 40+ lenders to find you the best rates on your home loan, with up to 95% LVR and No LMI
- Receive free friendly and personalised support from our experienced team, with no obligation
- We have been in business for over 17 years and we know accountant home loans better than anyone else
- 100% free service for clients with no hidden fees (we are paid a commission by the lender)
What Our Customers Say
Since Eden Emerald Mortgages began operations in 2007 we have helped thousands of Australians secure a mortgage. See what some of our satisfied customers say about us below.
Useful Calculators
Everyone's financial circumstances are different, which is why it is hard to know how much you can borrow or what price range to start house hunting. At Eden Emerald Mortgages, we offer free calculators that can assist you whether you are buying a new home or refinancing an existing property. Our most popular calculators are listed below, and you can see the full range of calculators here.
Frequently Asked Questions
Eden Emerald Mortgages does not charge any fees to you for using our services. We are paid a commission by the lender so that you don't have to pay anything. From your first call to the settlement date of your property, there are no costs involved!
If you would like to book a free appointment with us, simply call us on (02) 9188 9398 or leave us a message via the Contact Form.
Eden Emerald Mortgages has embraced technology, making it much more convenient for you to speak with us. We can communicate via phone, email and video call to eliminate the need for you to meet in person. If it is more convenient for you, we can complete the whole home loan process online.
EE Mortgages has access to more than 40+ lenders including the big 4 banks and various 2nd tier lenders. We have close relationships with our partners which enables us to negotiate the best rates for your home loan.
We pride ourselves on being efficient and quick with our services, and pre-approval can be received in 24 hours depending on the lender of choice. This is also dependant on whether you have all your documents in order. It is a good idea to allow up to 5 business days for pre-approval of your home loan.
We can help you determine your borrowing capacity after we ask you some questions and receive financial documents. In the meantime, you can estimate the amount you can borrow using our borrowing power calculator.
Speak to an Expert and
Get Your Mortgage Approved
To get started on your journey of securing a home loan, fill in the form below, and an experienced mortgage broker will contact you about your personal situation.