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Home Loans for Firefighters

Firefighters provide an essential service, and lenders recognise your stable, long-term career. We help full-time and retained firefighters access 90% LVR no-LMI policies so you can buy sooner with a 10% deposit.

We Understand Your Income

Whether you’re full-time or retained, your income mix can be complex. We work with lenders who will:

  • Waive LMI up to 90% LVR: Buy with a 10% deposit and save thousands in LMI premiums.
  • Use 100% of Your Allowances: We can leverage 100% of your overtime, allowances, and penalty rates to boost borrowing power.
  • Accept Retained Income: Specialist lenders will recognise retained/on-call income once you have a 1-2 year track record.

Who is Eligible?

Our lender panel includes policies tailored for:

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Full-Time Firefighters
Fire and Rescue NSW and other state services with permanent employment.
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Retained / On-Call Firefighters
Retained firefighters with consistent on-call income history.
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Rural Fire Service & State Equivalents
Case-by-case support for RFS and other volunteer or mixed-income scenarios.
FREQUENTLY ASKED QUESTIONS

Got Any Questions?

Get a Home Loan That Works as Hard as You Do

Book a free chat with our broker team to see if you’re eligible for the 90% LVR no-LMI policy.