Home Loans for Accountants
As a CPA-qualified mortgage broker, Raymond Liao understands the accounting profession from the inside — including how lenders assess the income structures that are common among accountants and how to present a complex financial position accurately. Tiger Mortgage works with CPAs, CAs, and other professionally designated accountants to access the home loan options best suited to their profile.
Registration — CPA Australia
Lenders that offer professional programs for accountants generally require evidence of current membership of CPA Australia or CA ANZ, and in some cases the IPA. The specific designation and membership level required varies by lender.
Professional Lending — What May Be Available
A number of lenders offer professional loan packages for CPA and CA-qualified accountants, which may include competitive rate structures and, with some lenders, reduced LMI requirements.
LMI waiver programs specifically for accountants are less uniformly available than for medical professionals. However, professional packages can still provide meaningful benefits — and the income complexity many accountants have means the value of an experienced broker is particularly high.
All benefits are subject to your current professional membership, income, and the lender’s current eligibility criteria. Policies may change without notice.
Income Structures We Work With
Accountants work across a variety of income arrangements. Tiger Mortgage works with:
• PAYG salary in corporate, government, or professional services employment
• Accounting firm partner income (equity and salaried) — profit share and drawings
• Public practitioner income from your own accounting firm
• CFO or finance director remuneration including salary, bonus, and equity components
• Income from investment portfolios, rental property, and self-managed superannuation alongside employment income
Why Tiger Mortgage
Frequently Asked Questions
As an accountant, why should I use a broker rather than going directly to my bank?
Accountants frequently have income structures that banks assess conservatively — particularly practice income, partner drawings, and trust or company distributions. A broker with the accounting knowledge to present your financials accurately and select the right lender typically achieves a better outcome than applying directly. Raymond Liao is a CPA and reviews your financials as a fellow qualified professional.
I run my own accounting practice — how is my business income assessed?
Public practice income is assessable with appropriate financial documentation. Documentation requirements vary by lender. Raymond Liao understands how accounting firm financials are structured and identifies lenders that will assess them most fairly.
My income includes variable bonuses and equity vesting — how is this handled?
Each component of your remuneration is assessed separately, with varying lender policies on bonuses, equity vesting, and incentive payments. We model your borrowing capacity across multiple lenders to identify the one that captures the most complete and accurate picture of your income.
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General information only — this page does not constitute financial advice, credit advice, or a recommendation of any particular product. All information is subject to change without notice.
Loan eligibility, interest rates, LMI waiver availability, and other lending conditions are determined by individual lenders based on their current credit policies and your personal circumstances. Lender policies may change at any time. Tiger Mortgage makes no representation that any particular product, rate, or benefit will be available to you.
Tiger Mortgage Pty Ltd holds Australian Credit Licence 389087. Raymond Liao holds Credit Representative Number 532909 authorised under ACL 389087.
Mortgage brokers receive remuneration from lenders in the form of upfront and trail commissions when a home loan is settled. A commission disclosure will be provided to you before any credit assistance is given.
We recommend you seek independent financial, taxation, and legal advice appropriate to your personal circumstances before making any financial decision.