Federal Government Employees

LMI Waiver Options for Eligible Federal Government Employees

Selected Federal Government employees in eligible departments and employment bands may qualify to purchase property with a smaller deposit and no Lenders Mortgage Insurance.

LMI Waiver Options for Eligible Federal Government Employees

Your career in the Australian Public Service may provide access to specialised lending benefits that aren’t available to every borrower.
Eligible employees working directly for an approved Federal Government department may qualify to borrow up to 89.99% of a property’s value without paying Lenders Mortgage Insurance.
This could help reduce your upfront costs and make it easier to purchase, refinance, construct or renovate an owner-occupied home or investment property.

Who may be eligible?

You may qualify if you:

Eligible departments may include Defence, Education, Finance, Home Affairs, Foreign Affairs and Trade, Treasury, Social Services, Veterans’ Affairs and other approved Federal Ministerial departments. State Government departments and many Federal agencies-including Services Australia and the Australian Taxation Office-are not currently included in this particular offer.

Key Benefits

Borrow up to 89.99% LVR on eligible loans

Avoid Lenders Mortgage Insurance

Purchase without saving a traditional 20% deposit

Available for owner-occupied and investment properties

Suitable for purchases, refinancing, construction and renovation

Lending options designed for eligible permanent PAYG employees

What you may need

You’ll generally need evidence confirming your:

Eligible Federal Government department
Employment band
PAYG employment status
Income and current employment

This may be demonstrated through an employment contract, employer letter and/or current payslip.

Check Your LMI Waiver Eligibility

Tell us about your role and what you’re planning. Jeevan will review your situation and come back to you within one business day — no obligation.

Full Name

Email Address

Phone Number

Your Employment Band

Which department do you work for?

What are you looking to do?

Anything else we should know?

Helping Australians achieve financial freedom - whether you’re buying your first home, refinancing, or expanding your property portfolio.

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Contact Info

Livandre Pty Ltd trading as Prestige Lending Group ABN 41 687 805 456 (Corporate Credit Representative No. 570 372) is authorised under Australian Credit License No. 517 192