At OneSite Finance, our mortgage brokers offer tailored, around-the-clock service to ensure you secure the best deal available. With 19 years of experience and multiple awards for customer service, we specialise in home loans for Accountants, ensuring you get maximum value and a stress-free experience.

We know you're busy, and we strive to make sure you are well looked after both when looking for a home loan, as well as during our award winning annual review process.

Yes! Accountants are often eligible for LMI waivers, allowing you to borrow up to 95% of the property value without the extra cost.

To qualify, you must be registered with Chartered Public Accountants Australia (CPA) or a similar professional body, you or your partner must be an Australian Citizen or Permanent Resident, and you must be currently employed.

The following Accountants and Finance Professionals qualify for Accountant Home Loans:

• Accountant
• Actuary
• Auditor
• Chief Financial Officer
• Director
• Finance Director
• Finance Manager
• Financial Controller
• Partner

Some variations to the list above are acceptable as job titles do not always match the occupations above.

If you meet the criteria, speak with one of our senior Mortgage Brokers to explore your options.

Accountants are busy professionals with limited time. Our experienced brokers at OneSite Finance can streamline the process, saving you from the hassle of negotiating with multiple lenders.

We have access to over 40 lenders and can secure exclusive rates and discounts specifically for doctors, whether you’re in Sydney or anywhere across Australia.

Accountants as Professionals benefit from special home loan discounts and other special treatment from Lenders, including waived Lender's Mortgage Insurance (LMI) and lower interest rates.

We will also negotiate to reduce or often waive your annual home loan fee which is anywhere between $400-500 for every year you keep your home loan with us, potentially saving you $12,000 over the life of an average home loan.

Accountants, Financial Controllers, and a broad range of Tax & Finance Specialists are typically eligible for LMI waivers.

The following finance professionals are eligible for LMI Waivers and other Accountant Home Loan deals:

• Accountants
• Auditors
• Chief Financial Officers
• Directors
• Finance Directors
• Finance Managers
• Financial Controllers
• Partners
• Managing Partners

If your financial or accounting specialty is not listed, contact our senior brokers, and we’ll confirm your eligibility quickly.

In short, Accountants, are considered low-risk borrowers due to their stable, professional, high-income careers.

This low risk makes banks eager to offer competitive rates and favourable terms for home loans tailored specifically for professionals.

Depending on your financial situation, you could benefit from no LMI, the ability to borrow up to 95% LVR, or even both.

Discounts vary by lender and market conditions, so it’s best to consult with a mortgage broker to get the latest available offers.

We see a lot of Accountants who deal with a single Bank. Often times they miss out on better deals because their Relationship or Wealth Manager can only provide the home loan options that their Bank has.

A broker like OneSite Finance is able to cross-shop and to compare home loans across 40 lenders.

Yes, with select lenders, Accountants can borrow up to 95% without a guarantor.

Speak with our mortgage brokers for specific details and eligibility criteria.

Most lenders on our panel accept various income structures common among Accountants and Finance Professionals when they assess them for home loans. These include:

• Base PAYG salary
• Director's Fees
• Dividends

There are a number of rules around income earned through Partnerships with specific requirements varying from lender to lender. It is crucial to get expert advice from one of our experienced mortgage brokers.

Assessing the income received from a partnership with multiple partners is more difficult compared to a company owned and managed by one person.

Most banks require that you provide the financial statements and tax returns for any business which you have a shareholding in that generates more than 25% of your income. This includes income via a salary, directors fees or dividends.

When applying for a commercial loan banks will need to assess the financial situation of the entire business. However, for a home loan it may not be necessary for the bank to review your business. As a Partner in an Accounting Firm we can get this requirement waived.

You can call us, or enquire online and one of our experienced Mortgage Brokers will contact you to discuss.

Why Do Banks Struggle With Partnerships?

A Partnership is not a separate legal entity. A partnership includes two or more people going into business together to make a profit.

Partners share all the business assets and liabilities so it is vital that each partner knows their rights, responsibilities and obligations.

Banks often struggle with financing a partnership because of the unique legal structure of the entity. While banks can handle a sole trader, company, trust or an ASX listed company, their systems and processes are not set up with partnerships in mind.

How Do I Prove My Income As A Partner?

Typically, lenders will want to see your personal tax returns and notices of assessment for the last two years.

Partners in larger accounting firms may be able to provide proof of their income via a letter or email from the firm’s Human Resources department when applying for a residential home loan.

This letter will be used as a supporting document for income verification purposes instead of a standard self-employed income documentation such as tax returns.

If you are a Partner in one of the Firms below, and will be borrowing less than 80% of the value of the property, you may be eligible to provide an employment letter as proof of your income:

• Ernst & Young
• KPMG
• Minter Ellison
• Allens Arthur Robinson
• Gadens
• Henry Davis York
• Corrs Chambers Westgarth
• Freehills
• Mallesons Stephen Jacques
• Clayton Utz
• PKF
• PWC
• Deloitte
• McGrath Nicol
• Grant Thornton

To find out what kind of income verification you will need to provide, speak to one of our experienced Mortgage Brokers.

On average, we save Accountants & Finance Professionals around $12,000 over the life of an average home loan by waiving or discounting the annual home loan fee.

On the whole, we can save tens of thousands of dollars through securing the best available "professional" home loan rates, waived LMI and other special offers such as cashback deals. When combined, these could add up to $60,000 plus on the average Sydney home home loan!

Our expert brokers pinpoint where you can save the most, whether it’s your first home, investment property, or a refinancing opportunity.

Absolutely! We negotiate with the big four banks - CommBank, NAB, ANZ, and Westpac - to secure the best home loan deals for Accountants and Finance Professionals.

Even if you’ve faced financial challenges, our brokers can often still secure a competitive rate for you.

To expedite your application, have your personal ID, proof of income (recent payslips or tax returns), and bank statements ready. Our brokers will guide you through the process, making it as simple and as quick as possible.

Yes, with 19 years industry experience, we specialise in getting the toughest home loans approved for Accountants and other Finance Professionals.

Our team has the expertise to navigate complex financial situations and secure favourable terms for you.

Yes, if you're married to an Accountant or Finance Professional and applying together, you can qualify for the same benefits.

Consult with our senior mortgage brokers to confirm your eligibility.

We understand the urgency. Especially in a tight property market like Sydney.

Once you provide us with your financial details we need to do the comparison shopping, our mortgage brokers will return with your best home loan options within 48 hours typically.