Attention Accountants, Auditors and Tax & Finance Professionals
Home Loans For Accountants
5-Star Independent Advice on Home Loans For Accounts. Over 300 Reviews at an Average of 5-Stars
Our Loan Applications Have a 99% Approval Rate
We Work With a Panel of 40 Lenders
How does OneSite do Home Loans for Accountants
We Negotiate Special Deals For Accountants & Tax Professionals, Often Not Available To The Public
Lender's Mortgage Insurance (LMI) And Setup Costs Waived
Reduced Or Waived Annual Home Loan Fees
Borrow Up To 95% Of The Property Value Without LMI
Award Winning Mortgage Broker for Accountants
OneSite Finance has been helping Accounts, Auditors and Tax & Finance Professionals with their Home Loans since 2005. In that time, we've won many accolades
Save $65,340 On Average With OneSite's Home Loans For Accountants
We Help Accountants Access Special Home Loan Discounts Not Always Available To the General Public
We Work For Accountants. NOT The Banks
Special Interest Rates
We will negotiate special deals for you, backed by a 99% loan application approval rate. We negotiate the most suitable deal for you, with discounts below the bank’s advertised rates where available *
Waived LMI
As a medical professional, your Lender's Mortgage Insurance (LMI) and loan setup costs may be waived by some Lenders *
For an $1,000,000 home loan with a 95% Loan to Valuation Ration (LVR), this can save Accountants an average of $50,000!
No Or Reduced Annual Fees
On average, every home loan attracts a setup fee of $300, and an annual fee of $400 - $500. We can negotiate on your behalf to have these fees waived or reduced, saving you up to $12,000 over the term of a typical home loan.
Additional Cash Back Offers
Some lenders offer up to $4,000 in cash back on top of other specials! Others are happy to match outside offers in order to win your deal. This can mean thousands more in savings. We will do the research to find you the most suitable deal using our Panel of 40 lenders.
Your personal banker can only show you what your current bank offers.
* Certain conditions might apply like minimum loan size.
Home Loans for Accountants - The Process
You'll Speak To One Of Our Mortgage Brokers
We understand you're busy. We can come to you or do everything over the phone/online. We usually contact you within 10 minutes of enquiring during business hours
We'll Shop & Negotiate On Your Behalf
We shop around and make the banks fight for your home loan. We do this without a credit check being completed to keep your credit record untouched until lodging a loan application
We Present You With The Available Options
Once all options are analysed, We will walk you through a detailed comparison of the most suitable Professional Home Loan options available from our panel of 40 Lenders.
You Get Your Home Loan Approval
Once you're happy, we get some documents off you and submit your loan for approval. We will guide you at every step of the entire home loan process.
We ultimately work for you.
Who Qualifies for Accountant Home Loans
Professional Registration
You need to be currently registered with one of the professional bodies such as:
- Chartered Accountants Australian and New Zealand - CAANZ
- Certified Public Accountants Australia - CPA
- Chartered Financial Analyst Institute Australia - CFA
- Fellowship of the Institute of Actuaries of Australia - FIAA
- Institute of Public Accountants - IPA
- Association of Taxation and Management Accountants - ATMA
Other industry bodies are considered on a case by case basis.
Employment
You have to be currently employed as a Accountant, Auditor, Chief Financial Officer, Director, Finance Director, Finance Manager, Financial Controller or Partner. Minor variations to this list are acceptable as job titles.
Citizenship
You or your partner need to be an Australian Citizen or Permanent Resident to qualify. We can also help foreigners and temporary visa holders with home or investment loans
What Accountants Say About OneSite Finance
We've helped many Accountants & Finance Professionals in the past. We understand how busy you are. Here is what our customers, both Accountants and lay people have had to say about our Mortgage Brokers and our service
- We thoroughly enjoyed working with Liz at OneSite and would absolutely recommend, especially if you are a first home buyer.
We looked at a few options for a mortgage broker before settling with Liz, and we are so happy with our choice. She ensured we were educated and well prepared for the loan application as well as the application for the First Home Buyer Deposit Scheme. But her service was next level - fitting in online chats when we needed and always made herself available. A great all round experience for us. -read moreread lessWe found OneSite Finance through Google search for a reputable Home and Investment Loan Mortgage brokers in Sydney. We contacted Liz Zaki thereafter and our experience have been remarkable.
Liz, Tram, Mark and the rest of the team have helped us to refinance our investment property loans through which we have been able to obtain better and competitive interest rate and take equity out at the same time.
The entire refinance process took less than 3-weeks which was a huge surprise to us based on our previous experiences with other brokers.
Liz in particular made the process looked so easy - she kept us on track through timely emails and video calls to make sure that we had a clear understanding of the loan she was recommending for us.
Great Customer Service with fantastic communication throughtout the whole process.
Overall, we highly recommend OneSite Finance if you are looking for a Loan.
We say thank you and welldone to Liz and the Team. -read moreread lessLiz helped me to find a mortgage my first property purchase, and I couldn't have asked for a better experience as a first-time homebuyer. She was incredibly helpful, clear, and responsive to all my questions. Her friendly demeanor made the process feel less daunting, and her patience truly stood out as she guided me through every step. I'm so grateful for Liz's expertise and support, and I wouldn't hesitate to recommend her to anyone in need of mortgage assistance. Thanks again Liz and team! -read moreread less - Norman was fantastic helping me through my first home loan for an investment property. He was always available to answer any questions, even replying to emails at late hours and weekends. He worked very hard and went the extra mile to make sure everything was completed properly and on time.
I highly recommend him and will definitely use his services again. -read moreread lessLiz Zaki came highly recommended to us by a savvy friend, and now, having experienced her exceptional service firsthand, we can confidently say that she exceeded all our expectations as a first-time buyer.
From the very beginning, Liz demonstrated an incredible level of patience, taking the time to explain each step of the home buying process and presenting us with various options available to suit our needs. Her clear and effective communication throughout the journey made us feel well-informed and supported at every stage, from application to approval and settlement.
What truly stood out was the exceptional management of our application and settlement, which made the entire process seamless and stress-free. Liz and her team's dedication to our case was evident, and it gave us total peace of mind.
Moreover, we were pleasantly surprised by the additional educational workshops offered by Liz's team, which allowed us to build our knowledge and confidence in the real estate market. This extra effort showcased their commitment to ensuring we made well-informed decisions.
We have no hesitation in recommending Liz at OneSite to anyone looking for a finance. Her expertise, professionalism, and personalised approach made our first home buying experience truly enjoyable and successful. Liz Zaki and her team are the ones you can trust to guide you through the complex world of mortgages with ease. -read moreread lessI was referred to OneSite by a friend who is a client and I must say I am glad to have chosen Liz and Tram and the rest of the team at OneSite! They are super friendly and very patient. Being a first home buyer, my mind was set at ease knowing that OneSite had everything covered and always answered my queries. I will definitely recommend them to all my friends and family! -read moreread less - Highly recommend Onesite finance specially Norman to everyone. The most responsible, caring, punctual, reliable person we dealt with in the whole mortgage process. If you are looking for a great service with nice people don't look anywhere else. He went beyond his responsibilities to make our first purchase in Australia as stress free as he could. All I can say is Thank you 🙂 -read moreread lessWe would highly recommend Liz to anybody that wants a mortgage broker that will not give up!
Liz has been our mortgage broker for the past five years and in that time, she helped us get the loan to secure our family home (which was no easy task but she found a way to make it happen).
Then after baby number 2 came and lots of extra expenses to juggle we racked up some credit card debt but Liz came to our aid to find us the best financial solution, we consolidated all the debt and switched banks to a better loan structure & rate.
We are now back on track and have Liz to thank! -read moreread lessLiz was amazing! She explained everything very thoroughly and always kept us in the loop with various steps. She helped us with our land and construction loan and made it very easy. Liz worked after hours and during her spare time to help us get our loan sorted in time and get us exactly what we wanted. Would definitely recommend for the future!
Thanks OneSite Finance! -read moreread less - The first time I engaged Liz / OneSite was in 2007 but I didn't purchase a property.
Subsequently in the past seven years Liz and her team helped my husband and me to obtain home and investment loans.
In both occasions Liz has been very professional, her service and support is second to none. Liz provided us with advice based on our needs, and she always rose to the challenge to find the best deal for us.
Highly recommended to engage OneSite when you need to get a home loan. -read moreread lessWe cannot recommend Liz and the team enough! Liz patiently took us through the process of securing a home loan, answering all our questions promptly and was always professional and friendly. So glad we were referred to Liz from a friend as we didn't know much about the process and felt really supported throughout it and that Liz has our best interests at heart. Thank you Liz and team! -read moreread lessWe just purchased a house through Liz's mortgage broker service. She is a star performer who worked relentlessly through our mortgage needs and gave us a host of options and explained all the different types of loans and facilities patiently. She is never more than a moment's away from your call or message and responds immediately on time. Highly highly recommend Liz and her team if you are in the market for a home. Truly fantastic and a great partner to work with. I will be looking to Liz for help with future properties. -read moreread less - Liz has been amazing and so supportive of my husband and I on our journey to home ownership. We first made contact with Liz about 4 years ago and she came to our home and gave us a crash course on mortgages, home loans, offset accounts, repayments, and explained everything in easy, understandable terms. She guided us through years of preapproval applications and was patient with our property search. She is very responsive to emails and phone calls. We have attended a few of the workshops run by OneSite in their Surry Hills office and these have been extremely helpful. I'm so happy to say that we bought our first family home last year and could not have done this without Liz's support and guidance. We highly recommend Liz and the OneSite team, they are fantastic. -read moreread lessWe had bought our first property and Liz was very helpful and professional all throughout the journey. She was always available to help us with our queries. We had an unfortunate situation where the house wasn't settling on time and Liz was patient and helpful in smooth sailing for re-approval process.
Highly recommend OneSite finance. Cheers -read moreread lessBuying property off-the-plan is an exciting, but sometimes, daunting step into the unknown, with many things to consider when applying for a loan to settle the property. Thankfully, we found OneSite and can confirm through our experience that the glowing, 5 star reviews you see here are justified. Our experienced broker, Norman, helped see our property valuations and loan applications through with professionalism, comprehensive advice and good humour, all of which helped us navigate the current, uncertain property market. His hard work in finding the best loan for us and patience in liaising with all other stakeholders involved (including the property developer, bank, and conveyancer) was much appreciated. We truly believe we will not have had as good an outcome without Norman's help. Thanks again Norman for your valuable services and keep up the great work! -read moreread less
Frequently Asked Questions: Home Loans for Accountants
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.
This is a no obligation conversation with an expert Mortgage Broker. We'll typically contact you in 10 minutes during business hours
Why Do Sydney Accountants Use OneSite Finance For Their Home Loan Needs?
Choosing the right home loan can help you save thousands of dollars to enjoy now and invest and build wealth for your future.
Choosing the wrong home loan can burden you and your family with unnecessary financial pressure and slow your progress towards financial independence.
Hundreds of Home Loans to Choose From
Our independent Sydney based Mortgage Brokers will analyse your needs and compare hundreds of home loan products from our panel of 40 plus lenders. We cover the market including the Big 4, mid-tier banks, internationals and credit unions.
Your bank, as good as they may be, can only ever show you their in-house loan products.
Exceptional Lender Relationships
The Lenders treat our expert Mortgage Brokers as trusted partners. This allows us to:
- Negotiate better interest rates and bigger discounts than what is advertised or granted in branch
- Achieve faster turn-around times. This is a huge advantage in a market like Sydney
- Ask for upfront or discounted property valuations
- Negotiate and present challenging or non-standard deals
Structured to Save Tax
Our network of trusted professional advisors will help you structure your finances to legally save tax and give you greater cash flow to improve your lifestyle, reduce debt, and invest for the future.
It's amazing how the right setup can save you hundreds of thousands in tax - legally. Now and in the future.
Ongoing Yearly Reviews
Our customer services team will review your situation periodically to ensure you always have the most suitable home loan product. We will renegotiate with your current lender on your behalf to make sure you never pay more than you need to.
And if we find a more suitable loan product with a different lender, we'll look after all the paperwork.
2 Decades of Home Loan Expertise
Since 2005, we've helped 2,231 families purchase their first homes, invest in property, build newer or bigger homes and refinance existing home loans. We are here for our customers every step of the way.
Our mortgage brokers are some of the most reviewed mortgage professionals in Australia, with hundreds of real reviews from Sydney Home owners and investors on Google and Facebook going back over many years.
Your Local Mortgage Experts
OneSite Finance is all about the customer experience... When you call us, you will talk to a real Mortgage Broker in Sydney. Not an overseas call centre operator.
Our office is located on the Sydney CBD Fringe suburb of Surry Hills - a 5-minute walk from Sydney's Central Station. We can meet you there, or online. The choice is yours.
We all live in different parts of Sydney and are quite involved in a number of community service and charity initiatives.
Free Advice Without Obligation
Whether you’re thinking about buying a home or just want to make sure you are not overpaying on your current home loan, get in touch for a Free Home Loan Strategy Session. We can visit you at home, you can come to our office in Surry Hills, or we can meet online on Zoom. We will share with you our best ideas and advice. Ideas that are specific to your situation, 100% free.
We get paid a commission by the lender you select at the end of the process. All lenders pay the same amount of commission approximately.