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
- My wife and I have been have used Onesite for last 10 years for all our property purchases and sales (home owner and investment). The service provided by Liz and her team is exceptional from start to finish.
Impartial advice and guidance at the start of the process followed by seamless and extremely efficient service & continued guidance throughout the process.
Amazing and could not recommend highly enough! -read moreread lessWe really thanked Norman for his help. Norman had been helping us go through the stressful process smoothly. He had been patiently answering our questions and tirelessly assisting us in finding the best solutions. Norman was extremely professional and helpful. He was always supportive whenever we felt hopeless and looked for the best solutions to help us. Norman has gone the extra mile to get results that were beyond our expectations. We highly recommend Norman and can't thank him enough for his hard work and for always being there for us at every single step of the whole process. Huge thanks to Norman and OneSite. -read moreread lessLiz provided an excellent service as our broker allowing us to purchase our first home. She made the process so easy to follow. I especially liked how she actively chased all the parties to make sure we had a quick purchase. I have recommended her to friends and family colleagues and will use her again when the time comes. Thanks for everything -read moreread less - Norman Suryadi was outstanding in helping us to get a mortgage for our first home. He is a great broker with very good insight into the different/best alternatives out there for mortgages. We got the best rates possible! He was very friendly and efficient, and extremely helpful and patient with our frequent queries about products, features and processes. We will be referring any friends and family who are looking for a mortgage to Norman. -read moreread lessNorman was extremely professional, knowledgeable, helpful, supportive and easy to get in touch when in need through our first home buying experience. He was there for us in every single step of the whole process starting from finding the right home to the best mortgage rates available. Always boosting our morale when we were hopeless at times. We simply can’t recommend Norman highly enough and consider ourselves very lucky to have done business with him. Thank you Norman!!! -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 less - Norman Suryadi was outstanding in helping us to get a mortgage for our first home. He is a great broker with very good insight into the different/best alternatives out there for mortgages. We got the best rates possible! He was very friendly and efficient, and extremely helpful and patient with our frequent queries about products, features and processes. We will be referring any friends and family who are looking for a mortgage to Norman. -read moreread lessTruly a five star service. I seldom review but Liz and her team have been absolutely exceptional in regards to my home loan. She was not able to increase my borrowing power by a significant amount compared to other banks but also followed up on my finances to make sure I would be financially sufficient in the future. She was very responsive and helpful even past working hours when there were spanners thrown in the works during my home buying journey. I genuinely believe I would not have been able to buy my home if not for Liz. She is an extremely knowledgeable, professional and dependable person; I am very grateful to have her as my mortgage broker. -read moreread lessLiz and her team were a great help for our first property purchase. The home loan process was explained to us very well. Liz provided clear and professional guidance. Communication was great; Liz was always available for queries and we had updates throughout the process. The whole experience was very smooth which was much appreciated in a busy and stressful time. Liz was recommended by a friend and we have happily recommended her to other friends too. -read moreread less
- We had an excellent experience with Onesite finance. Liz, our broker was very thorough in going through the process which really helped us with the search for a new home. We bought during the COVID shutdown and Liz's extraordinary commitment to getting the loan through when everything had slowed was amazing! Strongly recommend their services if you are looking for any type of loan. -read moreread lessWe employed Norman to help us buy our first home just over 2 years ago and the service he provided was first class. So when we decided to refinance our loan recently, it was a no brainer to contact Norman once again regardless that we now live over an hours travel away. Norman always took the time to explain the loan details in a way that are easy to understand and provided different options. This made us confident that we were getting the best deal to suit our needs. He made himself available after hours to meet us to sign documents. Norman is genuinely caring and we highly recommend him! -read moreread lessI 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 less
- My wife and I have enlisted Liz Zaki to co-ordinate multiple home loans over the last 12 years. We have always been impressed with Liz's professionalism, punctuality, work ethic, honesty, efficiency and friendliness. At the initial planning meetings, Liz clearly and carefully outlined a realistic strategy to facilitate obtaining the ideal home loan for us. Liz is well connected with multiple banks and niche arms within banks, thus providing multiple feasible home loan options. Liz does everything within her means to obtain the lowest interest rates for her clients. Liz's work ethic is unparalleled. She frequently met with my wife and I outside of work hours to have meetings, to sign documents and is always available by phone and/or email (frequently replying within minutes) if there are any qualms or concerns. For one of our recent loans, Liz was available over the phone and email whilst she was on holidays so that the progression of our home loan approval wasn't halted. Purchasing a property and applying for a home loan are extremely stressful processes. It is a blessing to have Liz as our mortgage broker as she makes the process seamless. Liz has always been above reproach in the way she has liaised with my wife and I; we will continue to enlist her services for future home loans and have no hesitation at all to recommend her to our family and friends. Keep up the great work Liz!
Sincerely, Jimmy and Angela C -read moreread lessLiz and the team helped my partner and I secure our first home using the Government first home buyers guarantee with no LMI!
The process was very easy and any questions I had were answered promptly. Liz was recommended to me by my parents whom have also used their services before.
I would highly recommend their services to anyone looking for a reliable broker. -read moreread lessI found OneSite through an online search as I wasn’t happy with the previous mortgage broker I engaged to buy my first home. Liz and her team were amazing to say the least. Responsive, knowledgeable and so helpful.
I will definitely be going back to OneSite when I buy my next property.
Thanks again Liz! -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.