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Specialist Lending

Special Loans.

Some borrowers qualify for special lending terms — LMI waivers, rate discounts, and flexible income verification. Explore the programs below to see what's available for your situation.

Specialist Loan Programs

Some borrowers qualify for special lending terms — LMI waivers, rate discounts, and flexible income verification. Explore the programs below to see what's available for your situation.

First Home Buyers

Low-deposit pathways, government schemes, and LMI waivers to get you in sooner.

Your first home, with as little as 5% deposit

Loans for Doctors

LMI waivers up to 90% LVR, rate discounts, and flexible income verification for medical professionals.

Medical professional lending — LMI-free up to 90% LVR

Loans for Investors

Interest-only structures, trust lending, and equity strategies to build your portfolio the right way.

Portfolio lending — structured for tax efficiency and your next deal

Loans for Teachers

Dedicated packages for education professionals with reduced fees and rate discounts.

Education professional lending — recognised, stable income rewarded

Loans for Health Professionals

LMI waivers, rate discounts, and shift-friendly income assessment for allied health workers.

Allied health lending — LMI-free up to 90% at participating lenders

Guarantor Loans

Borrow up to 100% with no LMI using a family member's property as security.

100% LVR, no LMI — your family helps you start

Self-Employed & Low-Doc Loans

Alternative income verification — BAS, bank statements, and accountant's declarations instead of full tax returns.

Self-employed lending — your income, verified your way

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