LMI waivers by profession: can your job help you avoid LMI?

Several options reach about 90% to 95%, depending on specialty, purpose and property.

Ahpra registration, specialty, debt compared with income, repayment type, construction and postcode restrictions.

Eligible hospital-employed interns, residents and registrars may be able to borrow up to 95% without LMI.

Check your Ahpra registration, contract, income, property and cash left after buying costs.

Psychiatrists sit with medical specialists rather than the narrower psychology list.

Specialist Ahpra registration, purpose, loan size, debt compared with income and product rules.

Several options reach about 90% to 95%. A lender that accepts doctors may still exclude dentists.

Your registration division, what the loan is for, the property value, the maximum loan and your total borrowing with the lender.

Several lender options reach around 89.99% to 95%.

Veterinary-board registration, owner-occupied or investment use and the current lender limit.

Some options reach 90%. The answer can change with employment type and income.

Your registration, whether you're directly employed, the minimum income and maximum loan, and any rules for casual work or probation.

One lender group (Westpac and St George) reaches 90%.

Your recognised qualification, at least $90k a year from eligible professional work, and whether your exact role is on the lender's list.

Several options reach 90% to 95%, while other lenders expressly exclude the profession.

Ahpra registration, primary income source, purpose and maximum loan.

Several lists include chiropractors around 90% to 95%, while other lenders do not.

Ahpra registration, income source, property purpose and current eligible list.

Several options reach about 89.99% to 95%.

Your Ahpra registration, income, what the loan is for and your total borrowing with the lender.

Several options reach about 89.99% to 95%, but another major lender excludes pharmacists.

Ahpra registration, profession income, purpose and current eligible list.

One current option reaches 90%. Several other profession lists exclude psychologists.

Your Ahpra registration, the minimum income, how you'll use the property and whether your exact role is on the lender's list.

One lender group (Westpac and St George) reaches 90%.

Your recognised qualification, at least $90k a year from eligible professional work, and whether your exact role is on the lender's list.

More than one option is available around 89.99% to 90%.

Ahpra registration, income, purpose and the selected lender's exact list.

One current option reaches 90%.

Your registration or recognised qualification, the minimum income and whether your exact role is on the lender's list.

One current option reaches 90%.

Your recognised qualification, the minimum income and whether your exact role is on the lender's list.

One current option reaches 90%.

Your recognised qualification, the minimum income and whether your exact role is on the lender's list.

One lender group (Westpac and St George) reaches 90%.

Your recognised qualification, at least $90k a year from eligible professional work, and whether your exact role is on the lender's list.

One current option reaches 90%.

Your Ahpra registration, the minimum income and whether your exact role is on the lender's list.

Several options sit around 89.99% to 90%.

Current Australian practising certificate, profession income and lender limit.

Several options sit around 89.99% to 90%.

Exact designation and membership, job title and income from the eligible profession.

One essential-services option reaches 90%, capped at $1.2 million per property.

Sworn status, residency, primary income, employment type and the $80,000 single or $150,000 joint income test.

One essential-services option reaches 90%, capped at $1.2 million per property.

Fully qualified status, residency, primary income, employment type and the $80,000 single or $150,000 joint income test.

Compare general no LMI loans and the government scheme. Some emergency services offers have location restrictions.

Paid or volunteer role, employment type, overtime, allowances and where you plan to buy.

Two options cover direct employees of listed banks and eligible subsidiaries. The employer and work history rules differ.

Check your employer, employment type and time in the role. One option can count 24 months of earlier Australian banking experience; the other needs 6 months with your current employer. Account requirements also differ.

One option covers direct PAYG employees of 9 named technology companies.

Legal employer, direct PAYG status and at least 6 months of continuous employment.

One option covers direct employees of named Federal departments at APS6, EL1, EL2 or SES level.

Department, employment band and direct PAYG status. State departments and some agencies are outside the list.

You may still have a general 90% no-LMI option or qualify for the Australian Government 5% Deposit Scheme.

Deposit, scheme eligibility, income, loan purpose and property.