LMI waivers for lawyers, accountants and actuaries (2026)
Facts checked 27 October 2026
Legal and finance professionals can often borrow up to 90% of a property’s value without paying Lenders Mortgage Insurance. The deciding factor is usually a current practising certificate or professional-body membership.
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As published on the lenders’ own sites on the date above.
| Lender | Max LVR without LMI | Who qualifies |
|---|---|---|
| ANZ | 90% | Accountants and actuaries with current CA ANZ, CPA, CFA Institute or FIAA membership (no minimum income); lawyers, solicitors, barristers, judges and magistrates with a current practising certificate. Loans up to $4.5m. |
| Westpac (and St.George) | 90% | Accounting and legal professionals meeting its approved industry accreditation and income criteria |
| CommBank | 90% (from a 10% deposit) | Lawyers and accountants — eligibility checked case by case |
| BOQ Specialist | 90% | Accountants (banking package) |
| NAB | Not published | Accountants (CA ANZ, CPA, IPA), actuaries (FIAA), financial analysts (CFA), barristers, lawyers and solicitors with a current certificate |
Each lender’s published criteria as at 27 October 2026, from its own website. This is not a comparison or a recommendation: not every lender was checked, and lenders change these terms often.
One thing to check
ANZ’s broker documents state 90% LVR for legal and accounting professionals, while one of its consumer pages mentions “up to 95%” for legal, medical or accounting professions. Until that’s resolved, plan on 90% and confirm with the broker.