Professional Services Lending
Tailored Finance for Professional Services
Professional Services Lending recognises the stability, income potential, and low-risk profile of your career—translating into more favourable loan terms, higher borrowing capacity, and waived LMI options.
Barristers
Judges
Lawyers
Solicitors
Egilibty is
Must provide evidence dated within the last 12 months of Practising Certificate allowing them to practice as a lawyer, solicitor or barrister in the Australian State or Territory that they currently practice in.
Employees of the Australian Government Solicitor under section 55Q of the Judiciary Act 1903 as well as judges have the right to practice law but are not required to hold a practicing certificate. These applicants qualify for the Industry Specialisation Policy but do not require evidence of a current Practising Certificate.
Accountants
Actuaries / Auditors
CFO's (Chief Financial Officers)
Finance Managers
Eligiibility is - Is registered to practice as a CA, CPA, CFA or FIAA in Australia, verified through evidence dated within the last 12 months of:
Membership of the Chartered Accountants Australian and New Zealand (CAANZ), or
Membership of CPA Australia (CPA), or
Membership of the Chartered Financial Analyst Institute and associated Australia based society (CFA), or
Current Fellowship of the Institute of Actuaries of Australia (FIAA), or
Membership of the Institute of Public Accountants (IPA)
How we help Professionals borrow and grow their wealth
At Evoke Capital we unlock lending solutions designed for high-performing professionals. Don't waste your time directly with banks or with inexperienced mortgage brokers who don't specialise in Professional Services Lending.
Common Challenges we solve
Cash Flow Gaps: Especially for lawyers and doctors with delayed billing cycles.
Complex Income Streams: Including dividends, distributions, or multiple entities.
Time Constraints: We handle the paperwork so you can focus on your clients or patients.
Navigating LMI Waivers: We know which lenders offer them—and how to qualify.
What we achieve
Higher Loan-to-Value Ratios (LVRs): Borrow up to 90–95% without paying Lenders Mortgage Insurance (LMI).
Faster Approvals: Streamlined processes for time-poor professionals with our platnium bank status.
Favourable Interest Rates: Access exclusive rates not available to the general public.
Flexible Structures: Loans tailored to trusts, companies, or self-employed income.
Commercial Lending Options: Finance for practice acquisition, fit-outs, or chambers.
Why Choose Evoke Capital
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Award-winning mortgage brokers servicing Australia-wide
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Combined 50+ years residential and commercial lending experience
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Deep commercial relationships with all major business banks banks
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Platnium bank status and access 100+ lenders with the best interest rates
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6-monthly interest rate reviews and annual strategy sessions.
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100% 5-Star Google Reviews
We are rated in the Top 1% of Mortgage Brokers in Australia
We have a network of 100+ Traditional and Specialised Lenders
Professional Services Lending FAQ
What professions qualify for Professional Services Lending?
Typically, doctors, dentists, specialists, lawyers, solicitors, barristers, accountants (CA/CPA), and finance professionals. Some lenders also include engineers and veterinarians.
Can I borrow more than 80% without paying LMI?
Yes. Many lenders offer up to 90–95% LVR with no LMI for eligible professionals, depending on your income and profession.
What documents do I need to apply?
Proof of income (including payslips or tax returns), professional registration (e.g. AHPRA, CPA, or legal practising certificate), and ID documents.
Can I get a loan through a trust or company structure?
Absolutely. We specialise in structuring loans for professionals with complex financial setups.
5. Do you offer commercial loans for practice acquisition?
Yes. Whether you're buying into a medical clinic, accounting firm, or legal chambers, we can help secure competitive commercial finance.