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
- I can't express how grateful I am to Liz and her incredible team at OneSite for helping me finance my first home! From the very beginning, they went above and beyond to ensure I had the best experience possible. Liz and her team were always quick to reply, incredibly helpful, and truly dedicated to my success. Their expertise and commitment made the entire process smooth and stress-free. I highly recommend OneSite to anyone looking for a reliable and supportive mortgage broker. Thank you, Liz and team, for making my dream of home ownership a reality! -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 lessWe are first-time home buyers and Liz helped us greatly in navigating the process. She was recommended by friends, and we are happy to have followed their advice and work with Liz.
Liz clearly explained the process and assisted us in putting our mortgage application together. She was always available to provide advice and the advice we received from her was always informed and realistic.
Liz made the process of acquiring property less stressful than it would have otherwise been. We are grateful for that!
We strongly recommend Liz's services! -read moreread less - I recently had the pleasure of working with Liz & her team from OneSite for my mortgage needs, and I must say the experience was exceptional. From our initial consultation to the finalization of the mortgage process, Liz exhibited professionalism and expertise every step of the way.
Her depth of knowledge in the mortgage industry was evident, as she guided us through the various options available and helped us choose the best fit for my financial situation. Additionally, Liz was highly responsive to all my inquiries, promptly addressing any concerns I had and providing clear explanations throughout the process.
I was impressed by Liz's attention to detail and commitment to ensuring a smooth and efficient transaction. She navigated the complexities of the mortgage process with ease, making what could have been a daunting experience seamless and stress-free.
Overall, I wholeheartedly recommend Liz & her team to anyone in need of mortgage services. Their professionalism, expertise, and dedication to client satisfaction truly set them apart in the industry. Thank you, Liz , for your outstanding assistance in securing my mortgage. -read moreread lessLiz was fantastic and provided exceptional service to my wife and I on our construction loan. She was very responsive to all our questions / queries and when we needed to draw down to pay the builders an installment, she was prompt in having this organised so that there was no delay to the ongoing construction. Liz was also able to organise a quick turnaround on the valuation and final payment which enabled us to get into our new home earlier than expected. Overall the process was smooth and painless, due to the wonderful quality and service Liz provided. Thank you Liz for making this such a great experience. -read moreread less - Liz made my journey of purchasing my first property significantly less stressful for me then it would otherwise be. I fell really confident that she has my best interest in mind. She was extremely patient with endless numbers of questions I had and with me changing my mind several times about how much money I want to borrow and under which conditions. She also gave me some tips on other things related to buying property in general that made make better and informed choices.
I will definitely be back when I decide to buy my next property and would highly recommend OneSite to anyone else. -read moreread lessLiz has been my mortgage broker for several years now and I cannot recommend her and OneSite enough. She secured a loan for me for an investment property when I wouldn't have known where to start or how to get a good rate.
I barely knew the basics at the time and she went out of her way to take the time to explain offset accounts and a bunch of things on property investment in general.
Recently she went through the process of refinancing the loan with another bank in order to get me a better rate.
Liz is great to deal with, easy to talk to, always makes time to help and I often turn to her for advice in general with anything property related. -read moreread lessLiz was recommended to me by a colleague who had great experiences with OneSite. Liz and her team are super efficient, professional and extremely thorough; they were very patient with me, and went above and beyond to ensure that my case is complete within a very tight time frame. Thank you Liz again for your amazing work! -read moreread less - Andi was very highly recommended by a colleague and friend. From start to finish, Andi from OneSite has been very helpful and keen on answering every query that I had. I pretty much understood the whole process of buying a property as a FHB and obtaining a loan. He is very easy to work with too. I highly recommend OneSite for your loan needs! Looking to work with him again soon. -read moreread lessI am super excited and thankful that we found Liz and the team to help us with our first home. Special thanks to Liz. She is fast, efficient, and detailed. The thing I love the most is that we get prompt responses and advice on all doubts.
This is a highly recommended broker to go for if you are buying property. I will be 100% going back to Liz and the team in the future.
P/s: Be prepared to get ready with all the documents that are requested. It really smooth out the process in a blink of eyes. -read moreread less - I was pretty clueless about purchasing my first property so a friend recommended I talk to Liz. She stepped me through the entire process and was always swift in addressing my questions and concerns. Liz helped me get a competitive home loan rate and the team handled a lot of the paperwork and liaising. Definitely glad I went to OneSite. -read moreread lessThe 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 lessHighly 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 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.