Home loans for accountants
Full members of the main accounting bodies can often borrow up to 90% without mortgage insurance.
Who qualifies
Lenders usually ask for full membership of Chartered Accountants Australia and New Zealand or CPA Australia. Some accept the Institute of Public Accountants. A few extend the waiver to actuaries, auditors and senior finance roles. Minimum incomes range from none to six figures.
Practice owners
If you own or part-own a practice, the lender assesses you as self-employed on your financials. You know better than most how a return can understate income. We work with the add-backs each lender allows. See self-employed home loans.
Lender policies change through the year and each lender keeps its own list of professions, income floors and locations. Use this page to decide whether it is worth asking, then let us check the current rules for you. All lending is subject to the lender’s credit criteria.
Questions people ask
I am part way through my CA or CPA. Do I qualify?
Generally not until you hold full membership. Standard low deposit options may still suit you now.
General information, last updated November 2026. Scheme figures, lender policies and duty rates change, so confirm them before you rely on them.
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