LMI Waiver Check
For doctors, dentists, vets, lawyers & accountants

Skip mortgage insurance with a 5–10% deposit.

Several lenders publish LMI waivers for particular professions — up to 95% LVR for some medical professionals. See which ones your profession and numbers fit, and what it saves you. 92 lenders checked.

Check my readiness See an example report
  • ✓Profession-specific rules
  • ✓Live lender rates
  • ✓No credit check
  • ✓Free

Example readiness report

Fits the published rules of 73 of 92 lenders.

Borrowing power ~$1.14m · LVR 95%

  • Lender 36Meets rules100%rules met

    No blockers found.

  • Lender 45Meets rules100%rules met

    No blockers found.

  • Lender 49Close92%rules met

    An LVR of 95% is above the 90% maximum — about $50,000 more deposit closes the gap.

  • Lender 28Close92%rules met

    An LVR of 95% is above the 90% maximum — about $50,000 more deposit closes the gap.

Explore the full example →

LMI on a $1m home can cost more than a new car.

Your profession, their list

Each lender’s waiver covers a different list of professions, registrations and income tests. We check yours against each one.

What it saves

See the mortgage insurance you’d otherwise pay at your LVR — and which lenders waive it.

What if

Try a 5%, 10% or 20% deposit and watch which lenders still fit.

Three steps to clarity

  1. 1

    Tell us your situation

    One question at a time: work, money, the home you want. Ballparks are fine — no documents.

  2. 2

    We run the numbers

    Income shading, a 3% stress test, living-cost benchmarks, LVR, stamp duty and scheme rules — for each lender.

  3. 3

    Walk in prepared

    See your result instantly. Share it with a broker only if and when you want to.

Start — it takes 5 minutes

Guides

Use it in your AI assistant

Ask Claude, ChatGPT, Gemini, Perplexity or Cursor to run this check for you. Our free MCP server gives them the same rules engine: lender fit, borrowing power, 2026–27 stamp duty and grants, the 5% Deposit Scheme and live rates. No sign-in, and nothing is shared with a broker unless you say so in the chat.

Set it up in 1 minute →

Questions

Is it really free?

Yes. The check, the report and the what-if tools are free, with no sign-up. If you choose to talk to us about a loan and go ahead, the lender pays us commission (set out in our Credit Guide). You never pay us a fee.

Will this affect my credit score?

No. We don’t run a credit check.

Which lenders do you check?

92 in total: 88 Australian banks and lenders — majors, customer-owned banks, online lenders and more — using the rates, LVR limits and residency rules they publish through Open Banking (data as of 27 Oct 2026), 2 non-bank lenders from their own published rate sheets, and 2 modelled specialist lenders. Rules lenders don’t publish, like time in job, are typical settings for each type of lender.

Do interns and registrars qualify?

It depends on the lender. Westpac’s published waiver includes hospital-employed doctors from intern level; ANZ’s requires AHPRA General or Specialist registration and excludes provisional and limited registration. The check asks the questions that decide it.

Is an LMI waiver guaranteed?

No. Waivers are at each lender’s discretion and their conditions change. Treat the result as “may qualify” and confirm with the broker or lender.

What happens to my answers?

They stay in your browser until you choose to share them with the broker.