Home Loans For Accountants

Accountants can provide general financial advice and help structure your finances in a way that improves your borrowing power. However, only licensed mortgage brokers and financial advisers can formally recommend or arrange a mortgage. That’s where we come in—Key Partners Finance specializes in mortgage solutions for accountants, ensuring you get the best deal based on your profession.

As an accountant, your borrowing power is higher than most borrowers due to stable income and strong financial history. Many banks offer:

• Higher Loan-to-Value Ratios (LVRs) – Borrow up to 90% without LMI
• Exclusive Income Multipliers – Some lenders consider 1.2x-1.5x your actual income, increasing your borrowing limit
• Flexible Loan Structures – More favorable debt-to-income ratios and repayment terms

Your exact borrowing capacity depends on income, expenses, existing debts, and property type—but Key Partners Finance ensures you maximize your borrowing power with the best possible loan structure.

Most lenders don’t offer 100% home loans without a guarantor as they needed to 5-10% deposit amount. If you are an accountant with having strong financial profile then you will be offered 95% with Lenders Mortgage Insurance (LMI) or even waive LMI with certain conditions. You will rarely receive 100% loans without a guarantor, but you can ask for the options from Key Partners Finance to receive the most suitable options based on your income and circumstances.  

Yes, Key Partners Finance works with lenders who accept a wide range of accountant income structures. If you are salaried, self-employed, receiving a bonus, have trust income, or dividends, or are working under a partnership then our team will understand your requirements for an accountant’s home loan and maximize the borrowing potential. Each situation is different so we prepare unique strategies to deal with your loan application as per your financial setup. We get the custom solutions to make the process easy and help you get the best loan options based on your income type.  

Yes, many lenders are offering special benefits to accountants. You can pick the option for avoiding Lenders Mortgage Insurance (LMI) where you have to deposit as low as 10%. The reason for giving these benefits is that accountants are considered low-risk borrowers as they have stable incomes and professional standing. To check your eligibility, you have to go through certain criteria, like if you are a member of a recognized accounting body. At Key Partners Finance, our team will find lenders who offer you the benefits and guide you through the process to get easy approvals for home loans for accountants. 

Yes, LMI waivers are generally offered to accountants but not everyone can avail of this automatically. To check your eligibility, you need to be a member of a recognized accounting body like IPA, CPA, or CA and fulfill the criteria for the lender’s income and employment requirements. There may be some restrictions for specific employment types or salaries. Our team will help you assess these points and make you connect to the lenders offering LMI waivers custom-created to your special accounting background and financial situation.