Home Loans for Accountants
- We negotiate a special ‘Accountants Only’ rate for you, backed by a 99.6% approval rate.
- Up to 90% Financing! Pay nothing in LMI.
- We cover your annual mortgage home loan fees. You won't find better!
- Get up to $3,000 cash back with Best Accountants Home Loans
- Rates as low as 5.14%
Enquire About Special Home Loans Offers For Accountants
Award Winning Mortgage Brokers For Accountants
How We Save Accountants $80,000 On Average
We Help Accountants Access Special Home Loan Discounts Below The Advertised Interest Rate
Specialist Interest Rates for Accountants
We negotiate a special ‘Accountants Only‘ rate for you, backed by a 98% approval rate. No matter your financial circumstances, we will find your best options as an accountant within just 24 hours.
Waived LMI for Accountants
Say goodbye to paying for lender’s mortgage insurance (LMI). We save accountants an average of $16,500 on just LMI! We also waive all loan set-up costs, passing on more massive savings to you.
We Cover Annual Loan Fees for Accountants
We’re so confident with our offering for accountants that we pay your annual loan fees! This applies for all home loans above $500k, saving you an additional average of $11,850 over the lifetime of your loan!
Cash Back Offers for Accountants
Speak to one of our senior brokers now and get the best cash backs offered by Australia’s leading banks. Get up to $3,000 in cash back and save! Our brokers will find you the best deals in the market.
We Make Home Loans Easy For Accountants
Make An Enquiry
Enquire between 8am to 8pm, Monday to Sunday and we call you back within 5 minutes. Our brokers work around the clock to help you!
Speak With A Broker
We assess your situation, negotiate rates, screen lenders and present you with your best options. We are with you every step of the way!
Loan Approved
You pick the best option that suits you and we get your home loan formally approved! We make the whole home loan process easy!
Accountant Loan Case Studies
Michelle’s Investment Home Loan
90%LVR waived LMI for accountants
Profile: Michelle is a management accountant who works for KMPG. She recently passed her last CA exam and is expected to become a fully qualified Chartered Accountant later in the week.
Objective: She is seeking to start an investment property portfolio. She aims to achieve FIRE “financial independence retire early” through property. For her first purchase, she targets a house in Frenchville QLD for $500,000. Her anticipated rental return will be $575 per week.
Problem: Michelle has $200,000 in savings. She does not want to dole out money on LMI and her parents aren’t in a position to be a guarantor for her home loan. However, if she does pay a 20% deposit plus stamp duty to avoid LMI she will need to contribute about $120,000, leaving her only $80,000 in savings & hence not enough to purchase another property without paying LMI to grow her portfolio.
Solution: After researching online, Michelle stumbles upon the Mortgage Pros website and discovers that a few lenders offer home loans for accountants. She calls through & finds out that with some lenders she can borrow 90 per cent of the property value without paying any LMI and may even be eligible for special interest rate discount.
After crunching the numbers, Michelle is told if she borrows $450,000, 90 per cent of the purchase price, she will only need to contribute about $70,000 and will save approximately $9,000 in LMI costs. This will leave her with roughly $130,000 allowing her enough deposit to expand her total property portfolio without LMI to three properties all close to $500,000 in value and generate her $1,725 per week in rent.
Like Michelle, you can save thousands on your home loan with an LMI waiver. You can always contact one of our mortgage brokers that specialise in home loans for accountants by calling us on 1300 816 770 or enquiring online.
Luke’s Property Portfolio
Savings thousands by refinancing
Profile: Luke is the CFO of a travel company and earns $350,000 per year including bonuses. He has been very successful with property and amassed a portfolio of 7 properties across Australia, roughly half paid off.
Objective: With interest rates raising Luke has seen his rates go from 2.24% to 5.57% in about a year. He is looking to ensure he is on the lowest rate possible and not be paying more than he needs to.
Problem: Luke calls his relationship manager at his existing bank and requests them to give him a better interest rate. He wants the rates which are advertised on their website. They regret to inform him that they cannot assist as the rates on their website are limited to new to bank customers & he is already on the best they can offer.
Solution: After discussing his situation with a work colleague, Luke is referred to her colleague’s mortgage broker, Mortgage Pros, who specialise in home loans for accountants. They thoroughly analyse his situation & the market to find him the best deal. Luke refinances all his loans and was able to achieve the following:
- Lower the interest rates on her loans by 0.50%. Saving her approx. $21,000 per year in interest.
- Take advantage of cash back the bank was offering. He was able to obtain a $4,000 cash back per property. Hence as he had 7 properties the bank paid him $28,000 to move his business over.
- Re extend his interest only periods back to 5 years on his investment loans
Oliver’s Home Loan
Savings thousands by refinancing
Profile: Oliver is a senior financial accountant based in North West Sydney and earns $150,000 per annum. He is married and has two children. His wife works in HR & earns $120,000 per annum. They own a two-bedroom apartment which they live in that is about half paid off.
Objective: Oliver & his wife need more space for the kids. They are looking to move into a house with a backyard and are seeking to spend 1.2 mil.
Problem: Oliver speaks to his existing bank about getting preapproval and they tell him to his shock their maximum borrowing capacity for new lending is $800,000. Oliver & his wife are not in a position to save or ask the family for $400,000. In addition, with a budget of $800,000 they are limited to just buying another apartment.
Solution: After discussing his situation with the family, Oliver is referred to his brother’s mortgage broker, Mortgage Pros, who specialise in home loans for accountants. There they thoroughly analyse his situation and successfully assist him with securing a preapproval for 1.2 mil by making a few simple changes.
- Cancelling all credit cards. Combined, David & his wife had three credit cards with a total limit of $20,000. Even though the credit cards were seldomly used, due to regulations, banks are required to factor the credit cards in as if they were at their limits. This reduced their total borrowing power by approx. $140,000.
- Selecting the right bank that will maximise his borrowing capacity. By reverse engineering the methods each of the banks work out their borrowing capacity, we can identify crucial differences in their methods of calculation. By evaluating these differences, we determine which ones may apply to David’s situation and then simulate the impact. For his case, we identified the following had the biggest impact to his borrowing capacity:
- Using the smallest assessment rate buffer on David’s existing home loan fixed at 2.19%.
- Minimising household expenditure measurement. David & his wife are extremely careful with their spending & follow a strict budget. As a result, relatively speaking considering their household, location & income their spending is quite low for their cohort.
- Using the most recent year’s bonus for David instead of averaging it over both years.
Our Lenders
Why Aussie Accountants Are Choosing Mortgage Pros
- We’ve worked in the banks as the people approving and declining loans so know how to get your loan approved.
- Leverage our premium broker status and get faster turnaround times & cheaper interest rates.
- We have access to special divisions of the major banks not available to the general public.
- We hold your hand the entire way. We’ll keep you updated and walk you through the whole process.
- Trained some of the most knowledgeable mortgage professionals in the industry.
- Multi award winning mortgage brokerage with all brokers amongst the top 10 mortgage brokers in Australia.
We Get Tough Home Loans Approved for Accountants
We’re your first and last mortgage brokers. Our accountant mortgage specialists are the people who get called when no other broker can get a loan approved.
Our senior brokers have extensive experience working in major Australian banks as the people who approve or decline loans. In other words, we know what the banks are looking for when it comes to getting any type of home loan approved for accountants.
Each of our senior brokers are ranked amongst the top 100 brokers in Australia. This means that no matter who you speak to at our brokerage, you’re speaking with the best in the industry.
Speak to one of our senior brokers today and we’ll present you with your best options moving forward!
Get your best home loan deal in less than 24 hours!
We’re available 8am to 8pm, 7 days a week & work Australia-wide! There is no obligation, we‘ll get back to you within 5 minutes during business hours.
