A List of Professions that are Commonly Eligible for LMI Waivers

Professional criteria can play a significant role in determining eligibility for LMI waivers. Lenders often view certain professions as lower-risk due to their stable income, high earning potential, or job security. Below is a list of professions that are commonly accepted for LMI waivers:

1. Medical and Healthcare Professionals

• General Practitioners (GPs)

• Dentists

• Medical Specialists (e.g., Cardiologists, Oncologists)

• Pharmacists

• Veterinarians

• Audiologists

• Chiropractors

• Midwives

• Optometrists

• Occupational Therapists

• Osteopaths

• Physiotherapists

• Podiatrists

• Psychologists

• Radiographers

• Registered Nurses

• Sonographers

• Speech Pathologists

2. Legal Professionals

• Lawyers (e.g., solicitors and barristers)

• Judges

• Partners in legal firms

3. Accounting and Finance Professionals

• Chartered Accountants (CA)

• Certified Practicing Accountants (CPA)

• Actuaries

• Auditors

4. Engineers

• Civil Engineers

• Mechanical Engineers

• Electrical Engineers

• Chemical Engineers

• IT Systems Engineers

5. Mining and Resource Professionals

• Geologists

• Surveyors

• Environmental Scientists within the resources sector

6. Other Specialized High-Earning Professionals

• Company Directors and Executives with substantial experience

• Pilots with major airlines

• Professional Athletes

• Professional Entertainers

• University Lecturers and Professors (often eligible depending on the lender)

• Directors / Partners at KPMG, Deloitte, PWC and others.

Note: Each lender has its own policy regarding which professions are accepted, so eligibility may vary slightly across different financial institutions. For example, some lenders might extend waivers to architects or senior public servants, while others might not.