A quick refresher for professionals: exclusive lending perks you shouldn’t miss

As a qualified professional — whether you’re a CA, CPA, solicitor, or medical specialist — you have access to lending benefits that are not available to the general public. These aren’t always advertised, but they’re significant. And with the right structure, they could mean lower costs, more borrowing power, and faster approvals.

If you haven’t reviewed your loan recently, or if you’re thinking about a purchase, refinance, or investment — now’s the time to take a closer look.

What’s available right now?

Many lenders offer specialised loan products to eligible professionals, including:

Flexible structures
Including interest-only repayments, multiple offset accounts, and lending to trusts or companies — with lenders who understand how professionals operate.

Up to 90% LVR with no LMI
Save thousands in lender’s mortgage insurance — even with a deposit under 20%. This is a major advantage, especially when cash flow is better used elsewhere.

Up to 95–100% lending (no LMI) for selected professions
Particularly relevant for surgeons, dentists, and high-income medical professionals. This can enable purchases with minimal upfront capital and no compromise on rate.

Favourable income assessment
Simplified policies for accountants, partners, and company/trust structures, recognising your profession’s stability and complexity.

Exclusive rate discounts and fee waivers
Professional packages tailored to reward low-risk borrowers like you.

Flexible structures
Including interest-only repayments, multiple offset accounts, and lending to trusts or companies — with lenders who understand how professionals operate.

Who qualifies?

If you’re in one of these professions, you may be eligible:

• CA or CPA-qualified accountants
• Practising solicitors or barristers
• Medical professionals, including GPs, dentists, surgeons, pharmacists, and vets
• Engineers, architects, actuaries, and select other registered professionals

If you’re unsure, we’re happy to check — eligibility is broader than many people think.

Why this matters

With rising property prices and tightening credit policies across the market, every advantage counts. These offers can help you:

• Buy sooner with a smaller deposit
• Access better terms than standard borrowers
• Borrow more based on your professional profile
• Restructure or refinance on more favourable terms

Whether it’s your first property, an investment, or a refinance — these policies can deliver meaningful savings and more strategic control of your lending.

How Vincents Lending Solutions Can Help

Our Lending Solutions team understands the details, the policy mechanics, and the lender requirements.

Contact us today!

Disclaimer: The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.