Home loans for lawyers
Solicitors and barristers can often borrow up to 90% without mortgage insurance. Income floors vary widely.
Who qualifies
Most waiver programs cover solicitors, barristers and judicial officers who hold a current practising certificate. Some accept government and in-house lawyers who are not required to hold one. Graduates and clerks are usually not eligible until admitted.
Employees, partners and barristers
Employed solicitors are assessed on payslips. Equity partners and barristers are assessed as self-employed, usually on two years of tax returns, though some lenders accept one. New barristers in their first years can find income history the sticking point. 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
Does my practising certificate need to be Tasmanian?
No. Any current Australian practising certificate is generally accepted.
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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