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Home Loans for Essential Workers

As an essential worker, you support the community every day. Lenders recognise your stable employment with exclusive home loan benefits—most notably, waiving Lenders Mortgage Insurance (LMI) up to 90% LVR.

The 90% LVR No LMI Benefit

Normally, buying with less than a 20% deposit means paying LMI—often $15,000-$30,000 on a typical home. Eligible essential workers can buy with only a 10% deposit and pay zero LMI.

  • Enter the property market sooner with a smaller deposit.
  • Save tens of thousands in upfront costs.
  • Direct your savings toward stamp duty, furnishings, or your offset account.

Who is Eligible?

We work with lenders who tailor policies for a wide range of community service professionals:

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Home Loans for Police Officers
Use 100% of your overtime and access 90% LVR no-LMI approvals.
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Home Loans for Firefighters
Specialist policies for full-time and retained firefighters.
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Home Loans for Paramedics & Ambulance Officers
Maximise borrowing power using 100% of shift allowances and overtime.
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Home Loans for Nurses & Teachers
Stable employment opens access to no-LMI policies with just 10% deposits.

Other Key Benefits

Beyond LMI waivers, our essential worker packages deliver:

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Use 100% of Your Overtime
Unlike many banks that accept only 50-80%, our lenders will include 100% of your shift allowances, penalty rates, and overtime.
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Access Discounted Rates
Professional package discounts mean lower interest rates and fees.
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Faster Approvals
We know exactly which documents and lenders to use, speeding up the approval process.
FREQUENTLY ASKED QUESTIONS

Got Any Questions?

See if You Qualify for a No-LMI Loan

Thank you for your service to the community. Let us help you unlock the benefits you’ve earned— book a free, confidential chat today.

Disclaimer: All information provided is general in nature. Eligibility for LMI waivers and professional packages is subject to lender criteria, income, and professional status. Lending criteria apply. Please view our Privacy Policy and Credit Guide.