Home loans for teachers · November 2026
Home loans for teachers:no published waiver
No published waiver, as at 3 November 2026.
None of the 15 lenders we read publishes teachers on a waiver list as at 3 November 2026. The evidence you need is state teacher registration. On a $720,000 loan with a 10% deposit (90% LVR, the loan as a share of the price) the waiver is worth about $15,840; with 5% down, about $30,240.
- List teachers
- 0 of 15
- Highest LVR
- No lender
- No income test
- 0
- Evidence
- state teacher registration
Lender by lender
Only the lenders whose own policy names teachers. The lender’s wording for the profession is in the last column, and on a phone in each lender’s own words further down.
| Lender | Max LVR, no LMI | Income test | Lender’s wording |
|---|
In the lender’s words
So you can check us.
Other professions
The same register, read for each profession.
Questions
Which lenders waive LMI for teachers?
None of the 15 lenders we read publishes teachers on a waiver list as at 3 November 2026. Brokers can sometimes access unpublished policies; ask before ruling it out.
What LVR can teachers borrow to without LMI?
Not published by the lenders that list this profession.
Is there an income test for teachers?
Where there is a test it is usually the same figure the lender uses for every listed profession.
What evidence does a teacher need?
State teacher registration, plus payslips for the income test.
Can I use the waiver on an investment property?
It depends on the lender.
Checked 3 November 2026 against each lender’s own policy page; re-read monthly. Profession lists and income tests change without notice; confirm with the lender before you rely on a row. LMI estimates are a guide from insurers’ published tables, not a quote.
Which lender takes teachers this month?
1st Street sees every lender’s credit policy, including waivers the consumer sites don’t show, and which lender also gives you the rate.
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Mortgage broking through Arthr is provided by 1st Street Pty Ltd trading as 1st Street Financial, Credit Representative 490057 under Australian Credit Licence 389328. Arthr Pty Ltd (ABN 39 697 205 486), co-owned by Graeme Pillemer and 1st Street's CEO Jeremy Fisher, provides the website and technology and does not provide credit assistance.