Occupation policy compared across lenders
Eligible occupation lists, income thresholds and loan size caps differ by lender. We check the current policy rather than assuming last year's still applies.
Service
Professional Package Loans
Home loan packages and profession-based lending concessions for accountants, medical professionals, lawyers and other eligible occupations.
Talk to a broker
“Professional package” can mean two different things, and both can be worth money to the right borrower. The first is a packaged home loan: an ongoing rate discount, an offset account and waived application or valuation fees, bundled together for a single annual package fee. The second is a profession-based concession, where a lender treats certain occupations as lower risk and reduces or waives lenders mortgage insurance on a higher loan-to-value ratio.
Which lenders offer what, and to which occupations, varies and changes over time. We compare the current policies across our panel, confirm whether your profession and income qualify, and check that the package actually leaves you better off once the annual fee is counted.
Why choose 3LANE Finance
A broker who knows which lenders treat your profession favourably, and whether the package is worth taking.
Lenders mortgage insurance reviewed properly
Where your profession qualifies, a waiver can save a substantial one-off cost or let you buy sooner with a smaller deposit.
The package tested against the alternative
A discount is only a saving if it beats the sharpest basic variable loan after the annual package fee. We run both numbers before recommending one.
How we help
Professional concessions usually require evidence: registration with a professional body, an income above a set threshold, and in some cases a cap on the loan amount. We prepare that evidence up front so the application is assessed on the right policy the first time.
- Confirming which lenders recognise your occupation
- Reduced or waived lenders mortgage insurance where you qualify
- Packaged rate discounts, offset accounts and fee waivers
- Weighing a professional concession against a larger deposit
- Reviewing an existing package loan you are already paying for
A clear path from enquiry to settlement
A calmer lending experience that removes surprises before your application reaches a lender.
01
Confirm eligibility
We check your profession, registration and income against the occupation policies currently on offer across the panel.
02
Compare package against basic
We model the packaged loan and the sharpest basic variable loan side by side, including the annual fee, so the choice is based on the real cost.
03
Manage the application
We package the evidence the concession requires, manage lender questions and keep you informed through to approval.
04
Settlement and beyond
We coordinate settlement and keep reviewing the loan, since a package that suits you now may not be the best fit in a few years.
Run the numbers
Estimate repayments, borrowing power and stamp duty. Indicative only — your broker confirms the real figures.
Monthly repayment$4,497
Fortnightly$2,075
Weekly$1,038
Total interest$868,786
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentAreas we service
Based in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
- Marrickville
- Inner West
- Sydney CBD
- Eastern Suburbs
- North Shore
- Northern Beaches
- Parramatta
- Greater Western Sydney
- Sutherland Shire
- Across NSW
Related pages.
Explore related services and industries we support.
FAQs
Quick answers for clients comparing finance options.
It depends on the lender. Medical practitioners and dentists are the most widely recognised, and many lenders also include lawyers, accountants and veterinarians, with others extending to professions such as engineers and actuaries. Because the lists differ and are revised from time to time, we check current policy for your specific occupation rather than working from a general rule.
Where your profession qualifies, some lenders will waive or reduce lenders mortgage insurance at a loan-to-value ratio that would normally attract it. The maximum varies by lender and occupation, and usually comes with conditions such as professional body membership, a minimum income or a maximum loan size. We confirm what you qualify for before you commit to a purchase.
No. A package carries an annual fee, so the discount has to be large enough to cover it. On smaller loan sizes a sharply priced basic variable loan can work out better. We compare both before recommending one.
Usually yes. Package discounts are negotiated at the time you take the loan, and the market moves. If you have been paying the annual fee for several years without a review, it is worth checking the discount is still competitive.
Talk to 3LANE
Do you qualify for a professional package?
Tell us your profession and what you are looking to buy or refinance, and we will confirm which lenders treat your occupation favourably.