Some lenders offer reduced deposit requirements and waived LMI to eligible professionals. We'll check what's available for your occupation and income structure.
Meet Mel and the Zest team, who've helped hundreds of professionals secure finance with tailored professional packages.
Some lenders offer reduced deposit requirements and waived lender's mortgage insurance to eligible professionals. The occupations that qualify, the income needed and the size of the discount all differ between lenders, and some banks are more generous with certain professions than others. It is worth checking what applies to you before you settle on a lender.
We check what is available for your occupation and income structure, then compare 60+ lenders to find the right combination of rate and loan terms. Our team is based in Springfield and works with professionals across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe professionals deserve a lending experience that's just as sharp as their career. Here are a few recent Zest Google reviews we think you'll love!
A quick chat with Mel & the team is the best place to start. We'll check what discounts and benefits your profession may unlock. No cost, no obligation.
Discounts vary a lot between lenders, and some banks are more generous with certain professions than others. We compare across 60+ lenders to find the right combination of rate and loan terms for you.
Once we've confirmed your eligibility, we manage the application and handle any income or employment documentation your lender needs. We'll keep you updated the whole way through.
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Our professional home loans suit lawyers, accountants, engineers, IT professionals and other high-income earners. Some lenders offer reduced or waived LMI and higher borrowing limits for eligible professions. Running your own practice? See our business owner home loan page.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
Many professionals in Springfield and Ipswich commute to Brisbane or work locally in growing business precincts such as Springfield Central. We find lenders whose professional packages suit your situation.
Our professional clients include lawyers, accountants, engineers, IT specialists and managers who work locally in Springfield Central or the Ipswich CBD, or commute into Brisbane. Many earn part of their income as bonuses, commissions or overtime, or have recently changed employers. Lenders treat each of these differently, and some will only count part of a bonus or want two years of history. We make sure the income you earn is counted properly before you apply.
Some lenders offer eligible professionals a home loan above 80% of the property value with lenders mortgage insurance waived or reduced. The list of eligible occupations, the memberships or registrations needed and the minimum income all vary from lender to lender, and they change from time to time. We check the current policy for your occupation, then compare it with standard options and any government scheme you may qualify for.
A HECS-HELP balance, a novated car lease or salary sacrifice can also change your borrowing power, sometimes more than people expect. Our guide to HECS debt and home loans explains how lenders look at it. You can also read our guides for lawyers and accountants, or see the suburbs popular with professionals.
If it is hard to get away from work, we can start with a phone call. You are also welcome at our Springfield office (Building 9, Level 1, 22 Magnolia Drive, Brookwater) or our Ipswich office (Level 3/16 East Street, Ipswich).
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
It depends on the lender. Common examples include some accountants, lawyers and medical professionals, usually with membership and income requirements.
Many lenders count part of your bonus if it's been paid consistently, usually over the last one to two years.
Some lenders allow higher loan to value ratios for eligible professionals, which means a smaller deposit.
Contractors can often still access professional policies, depending on your contract history.
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"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
