Professional Package Loan
Borrow smarter with up to 95% LVR and no LMI — available to doctors, dentists, lawyers, and other recognised professionals.
Are you a doctor, dentist, lawyer, accountant or another high-income professional? You may be eligible for a Professional Package Loan — a premium home loan offering higher borrowing limits and waived Lenders Mortgage Insurance (LMI), even with as little as 5–10% deposit.
At Prince Capital, we specialise in helping professionals secure exclusive home loan packages tailored to their career stage, income, and financial goals. Whether you’re buying your first home, upgrading, or investing, we will help you take full advantage of your professional status.
A Professional Package Loan is a home loan designed for qualified professionals in certain fields who meet specific income and employment criteria. These packages offer valuable benefits such as:
These benefits can apply to both owner-occupied and investment properties, depending on the lender.
These loans are not advertised to the general public and are only available through lenders that recognise your profession’s low-risk profile.
Eligibility varies by lender, but typically includes:
Medical & Health Professionals
Legal & Financial Professionals
If you are unsure whether your profession qualifies, we’ll assess your situation and match you with lenders that offer these benefits.
Yes — many lenders will allow eligible professionals to borrow up to 90–95% of the property value without needing Lenders Mortgage Insurance (LMI). This can save you tens of thousands of dollars in upfront costs. The exact LVR limit will depend on your profession and the lender’s policy.
In most cases, yes — lenders require that you are fully qualified and working in your field. However, some lenders may accept interns, registrars, or recently graduated professionals (particularly in medicine or dentistry) based on future earning potential. We can help you find a lender that suits your career stage.
Yes. Many of our professional clients run their own practices or operate as self-employed consultants. We work with lenders who understand self-employed structures and can assess your income using alternative documentation (low-doc or alt-doc options available).
Not at all. In fact, many of these professional loan packages are only available through brokers like us — because we have access to lender channels that are not offered publicly. We will compare offers and negotiate on your behalf to get you the best deal.
Typical documents include:
We will give you a clear, personalised checklist to make the process simple.
If you're unsure whether your profession qualifies, we will assess your situation and match you with lenders that offer these benefits.
If you are unsure whether your profession qualifies, we will assess your situation and match you with lenders that offer these benefits.
Prince Capital Solutions Pty Ltd ABN: 24 147 935 055 is an Australian Credit License #426244
Disclaimer: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
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