LMI（房贷保险）通常在 LVR 超过 80% 时强制购买，$1M 贷款下经常要付 $20-30k。但 CBA、Westpac、Macquarie、St.George、Bank of Melbourne 都对指定专业（医生、律师、会计师、CFA、注册护士、专职医疗（allied health）等）开了 LMI 豁免专项——80%-95% LVR 不付 LMI，等于免税购买力。掌忠贷比较 4 家主流大行的豁免专项政策，按你的职业 + 行业注册（AHPRA / Law Institute / CA ANZ / CPA）+ 收入门槛，匹配最优贷款机构 + 最高 LVR + 最低利率。中英文一对一，全程线上，正式批贷通常 7-14 天。Lenders Mortgage Insurance (LMI) is normally mandatory above 80% LVR — a $1M loan typically costs $20-30k. But CBA, Westpac, Macquarie, St.George and Bank of Melbourne all run carve-outs for specified professions (doctors, lawyers, accountants, CFAs, registered nurses, allied health), waiving LMI up to 80-95% LVR — interest-free purchasing power. Fingertips Finance compares the major banks' carve-out policies, matches you to the optimal lender + highest LVR + sharpest rate based on profession + body registration (AHPRA / Law Institute / CA ANZ / CPA) + income threshold. Bilingual one-on-one, fully digital, formal approval typically 7-14 days.
每家大行的豁免专项政策每季度都在变——LVR 上限、收入门槛、合资格专科范围都不一样。下面是 2026 年当前的主要方案：Each major bank's carve-out shifts quarterly — LVR caps, income thresholds and eligible specialty lists all change. Here are the four main 2026 packages:
GP、专科、外科、resident、registrar、牙医、兽医、部分药剂师 — AHPRA 注册即合资格，无最低收入门槛（医疗专业）。LVR 95% 不付 LMI，$1M 贷款省 $25-30k。GPs, specialists, surgeons, residents, registrars, dentists, vets, select pharmacists — AHPRA registration qualifies, no minimum income (medical). 95% LVR no LMI saves $25-30k on a $1M loan.
CBA 范围 + 专职医疗（allied health，物理治疗师、心理学家、营养师、注册护士、助产士）。LVR 95%，年收入门槛 $90k。$1M 贷款省 $22-28k。CBA scope + allied health (physios, psychologists, dietitians, registered nurses, midwives). 95% LVR, $90k income threshold. Saves $22-28k on $1M.
最宽——律师、会计师、工程师、CFA、精算师、IT 高管、高净值企业管理者等 30+ 专业。LVR 80% 不付 LMI（医疗 90%）。基本工资门槛 $150k。利率通常便宜 0.1-0.2%。Broadest list — lawyers, accountants, engineers, CFAs, actuaries, IT executives, senior managers (30+ professions). 80% LVR no LMI (medical 90%). $150k base salary threshold. Often 0.1-0.2% sharper rate.
Law Institute / Society / Bar 注册律师 + CA ANZ / CPA / IPA 会计师，门槛 $150-180k。LVR 90% 不付 LMI；St.George 把合伙人层级的利润分成全算入门槛。部分医疗案件走 100% LVR。Law Institute / Society / Bar registered lawyers + CA ANZ / CPA / IPA accountants, $150-180k threshold. 90% LVR no LMI; St.George counts partner-level profit share toward the threshold. Some medical cases write 100% LVR.
在同一家贷款机构那边，$149k 跟 $150k 的差别可能是 80% LVR 标准 vs 90% LVR 豁免专项。能不能过临界点取决于奖金、RSU、轮班津贴（shift loading）、董事费算不算进去：At the same lender, $149k vs $150k can mean 80% LVR standard vs 90% LVR carve-out. Whether bonus, RSU, shift loading and director fees count toward the threshold decides which side you land:
豁免专项政策对专科名称定义很严，常见误解：Carve-out policies enforce specialty definitions strictly. Common misunderstandings:
签合同之前发你的 AHPRA / 行业注册 ID 给我们，30 秒确认你的专科在哪几家贷款机构的豁免专项清单上。Send us your AHPRA or professional body registration ID before signing — 30 seconds to confirm which lenders' carve-out lists your specialty appears on.
GP 注册后 3 年 + $180k 是 CBA medico 方案的强档位。CBA 给到 95% LVR 不付 LMI，按 5.5% 还款能力压测、30 年 P&I，单笔可借约 $1.15-1.25M。Macquarie 同条件 95% LVR + 通常便宜 0.1-0.2%。BOQ Specialist（医疗专门贷款机构）历史最友好但利率加 0.3-0.5%。三家短列出来跑 5 年 / 10 年 NPV，多数情况 Macquarie 净便宜。掌忠贷预审 48 小时给三家初步报价（indicative）比对表。GP with 3 years post-registration + $180k is a strong CBA medico tier. CBA writes 95% LVR no LMI; stress-tested 5.5% over 30-year P&I gives ~$1.15-1.25M single borrow. Macquarie matches 95% LVR with usually 0.1-0.2% sharper rate. BOQ Specialist (medico specialist) is most lenient on terms but rate runs 0.3-0.5% higher. Shortlist all three, model 5- and 10-year NPV — Macquarie typically lands cheapest. Pre-check returns indicative comparisons within 48 hours.
合伙人层级律师在 St.George、Bank of Melbourne、Macquarie 都有豁免专项——90% LVR 不付 LMI，门槛 $150k。三家算法不一样：(1) St.George 把基本工资 + 利润分成全算（$260k 远过门槛）；(2) Macquarie 只算基本工资（$200k 也过门槛）；(3) 如果你是 PAYG 合伙人不是 Pty Ltd 公司董事身份，豁免专项直接走。如果是 Pty Ltd 公司董事自雇结构，豁免专项不适用——走灵活文档（alt-doc）路径。预审时把合伙协议 + 最近 2 年 ITR 准备好，确认你的入账身份。Partner-level lawyers get carve-out at St.George, Bank of Melbourne and Macquarie — 90% LVR no LMI, $150k threshold. Different algorithms: (1) St.George counts base + profit share together ($260k clears easily); (2) Macquarie counts base only ($200k still clears); (3) If you're a PAYG partner (not Pty Ltd director), carve-out applies directly. Pty Ltd director (self-employed) means alt-doc, not carve-out. Bring partnership agreement + last 2 years' ITR to pre-check; we confirm employment status with the lender first.
护士豁免专项在 Westpac Healthcare Premier、St.George Specialist、Bank of Melbourne 都有，LVR 上限 85-90%，护士门槛 $90k（你老婆刚过）。IT 行业不在豁免专项名单里，所以老公的收入按标准还款能力评估算。最优结构：护士作主借款人走 Westpac Healthcare Premier 90% LVR 免 LMI，IT 收入合并入家庭还款能力抬高可借总额。$95k + $140k = $235k 总收入，按 5.5% 还款能力压测 30 年 P&I，自住可借约 $1.05-1.15M（首付 $115-130k @ 90% LVR）。$1M 贷款 LMI 豁免净省 ~$22k。Nurse carve-out works at Westpac Healthcare Premier, St.George Specialist, Bank of Melbourne — 85-90% LVR, nurse threshold $90k (your wife clears). IT isn't on the carve-out list, so husband's income goes into standard servicing. Optimal structure: nurse as anchor borrower on Westpac Healthcare Premier at 90% LVR no LMI, IT income blends into household servicing to lift total capacity. $95k + $140k = $235k combined; stress-tested 5.5% over 30-year P&I gives ~$1.05-1.15M owner-occupier (deposit $115-130k at 90% LVR). On $1M, LMI waiver nets ~$22k.
CFA + 高管在 Macquarie Professional Package 里有豁免专项——80% LVR 不付 LMI，门槛基本工资 $150k（你 $250k 远过）。但 Macquarie 上限 80% LVR，不是 90%——想拿更高 LVR 要换贷款机构 + 付 LMI。投行 + 资深银行家通常买 $2M+ 的房，80% LVR = 首付 $400k+，但你这种收入 LVR 70-75% 也完全可走，利率通常比 80% 便宜 0.1%——跑 NPV 比「80% LVR + LMI 豁免」净省更多。奖金历史 ≥ 2 年才算入还款能力评估，按「最近 12 个月 × 80%」计入。3 年奖金历史 + 平均 $150k 是强档位，$400k 总收入按 5.5% 还款能力压测可借约 $2.2-2.4M。CFA + senior executive qualifies for Macquarie Professional Package carve-out — 80% LVR no LMI, $150k base threshold (your $250k clears). But Macquarie caps at 80% not 90% — higher LVR needs switching lender + LMI. IB + senior banker typically buy $2M+ at 80% LVR = $400k+ deposit; at your income, 70-75% LVR works fine and rates run 0.1% sharper than 80% — NPV often beats "80% LVR + LMI waiver". Bonus needs 2+ years' history to count in servicing, applied 'last 12 months × 80%'. 3-year bonus history + $150k average is strong; $400k total stress-tested 5.5% gives ~$2.2-2.4M borrowable.
主流大行的豁免专项政策针对 PAYG 雇员身份（医院 / 诊所打工的医师）。如果你已经从 PAYG 转出来开了私人诊所、以 Pty Ltd 公司董事身份入账，豁免专项通常走不通——你属于「自雇医师」。这种案件要走灵活文档（alt-doc）路径 + 标准 LMI（$15-25k），由 Halo Loan 的专业人士专项 处理：Pty Ltd 留存利润还款能力评估 + BOQ Specialist 等二线贷款机构的自雇医师方案。可以打电话过来，我们按你的情况判断哪个网站接更合适。Big-bank carve-out policies target PAYG employees (hospital / clinic-employed doctors). If you've moved out of PAYG into private practice and bill via a Pty Ltd company, the carve-out typically doesn't apply — you're now classed as self-employed. These cases route to alt-doc + standard LMI ($15-25k), handled by Halo Loan's professional desk: Pty Ltd retained profit servicing + tier-2 specialists like BOQ Specialist's self-employed doctor packages. Call us — we triage which brand fits your structure.
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