Home Loans for Lawyers
The legal profession is well-recognised by many Australian lenders, and admitted lawyers with a current practising certificate are typically eligible for professional loan packages that offer competitive terms. Whether you are a junior solicitor, a senior associate, an equity partner, or a barrister, Tiger Mortgage helps you identify the lending options most suited to your employment arrangement and financial goals.
Registration
State and territory legal admission authorities. Solicitors must hold a current practising certificate issued by their relevant state or territory legal admission authority
Admission to the legal profession and the requirement to hold a current practising certificate vary by state and territory. Lenders typically require evidence of a current practising certificate as part of the professional eligibility assessment.
Professional Lending — What May Be Available
Many lenders offer professional home loan packages for lawyers with a current practising certificate. These may include competitive rate structures and, with some lenders, LMI waiver or reduction options.
Partners in law firms — particularly equity partners with profit share income — represent one of the more complex income structures in the legal profession, and benefit from a broker who understands how this income is presented to lenders.
All benefits are subject to your admission status, income, the type of practising certificate you hold, and the lender’s current policy.
Income Structures We Work With
Lawyers work across a variety of income arrangements. Tiger Mortgage works with:
• PAYG salary (employed solicitors, in-house counsel, government lawyers)
• Law firm partner income — profit share, equity distributions, and drawings
• Barrister fees (typically ABN-based, variable income)
• Director fees from firm or associated corporate entities
• PAYG salary combined with performance bonus
Why Tiger Mortgage
Frequently Asked Questions
I'm a law firm equity partner — how is my income assessed?
Partnership income is assessed based on your share of firm profits, using tax returns and potentially firm financial statements. Equity partner income structures vary significantly between firms — Raymond Liao reviews your specific remuneration arrangement and identifies lenders that will assess it accurately.
I'm a barrister — am I eligible for professional loan packages?
Yes — admitted barristers are generally recognised by lenders in professional programs. Barrister fee income is typically variable and ABN-based, which requires careful presentation to lenders. We identify which lenders on our panel are best suited to barrister income.
What practising certificate evidence will lenders require?
A current practising certificate issued by the relevant state or territory body is the standard requirement. This is in addition to income documentation. We guide you on the full documentation list for your specific lender.
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Also see: home loans for accountants | home loans for actuaries | professionals — see our other professional lending pages [/clients/]
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.