Home loans for police officers
- Home loans
Home loans for police officers
You keep your community safe every day. Getting into your own home should not be the hard part.
Police officers have some of the strongest profession-specific lending benefits available in Australia. LMI waivers at 90% LVR are available through multiple lenders, and your overtime, shift penalties and allowances can be assessed at full value with the right lender.
The challenge is knowing which lenders offer these benefits for police specifically, and how to structure an application that reflects your actual income rather than just your base salary. That is exactly what we do.
- Our Process
PROCESS
Step 1
Book a discovery call to understand your income structure, deposit and goals.
Step 2
We assess your options across 90+ lenders and identify which ones offer the strongest benefits for police officers.
Step 3
We prepare and lodge your application and manage everything through to settlement.
- What We Do
What Police Officers Can Qualify For
- LMI waivers at 90% LVR with multiple eligible lenders, saving tens of thousands
- 100% of overtime, shift penalties and allowances assessed with the right lenders
- Borrowing with as little as a 10% deposit
- Specialist lenders who understand police rostering and shift-based employment
- First home buyer options: Government 5% scheme vs LMI waiver comparison
- Flexible loan structures built around variable income and irregular pay cycles
Documents You Will Typically Need
Two to three recent payslips showing base pay, overtime and allowances
We compare across 90+ lenders and show you the difference. Employment letter confirming your role, sworn status and consistent shift patterns
Last two years tax returns and PAYG summaries
