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Legal & Accounting Firm Finance | Lawyer & Accountant Home Loans | MFA

Industry Finance Specialists

Finance for Legal & Accounting Firms

Specialist business lending for solicitors, barristers, accountants, financial advisers, and professional services firms. Access exclusive professional LVR benefits, practice acquisition finance, and working capital solutions.

95%
LVR available for professionals
60+
Lenders on our panel
12+
Years banking experience
No LMI
Up to 90% for many
Apply Now → Book a Free Strategy Call

Who We Help

Legal & Accounting Professionals We Finance

Solicitors & Barristers
Legal practitioners at all stages — from junior associates to senior partners.
Law Firm Principals
Managing partners and equity partners seeking practice or property finance.
Chartered Accountants
CPAs, CAs, and public practitioners in firms of all sizes.
Financial Advisers
AFSL holders, financial planners, and wealth management professionals.
Bookkeepers & BAS Agents
Independent bookkeepers and registered BAS agents in practice.
Conveyancers
Licensed conveyancers and settlement agents seeking business or property finance.
Tax Agents
Registered tax agents running independent practices.
Multi-discipline Firms
Integrated legal, accounting, and advisory firms seeking growth capital.

Finance Solutions

Finance Solutions for Legal & Accounting Professionals

Home Loans
Professional home loans with preferred LVR treatment for members of legal and accounting professional bodies.
  • Up to 95% LVR
  • No LMI to 90% for many professions
  • Partnership drawings assessed correctly
  • Profit share income included
Practice Acquisition
Finance to purchase an existing firm, book of clients, or buy into a partnership.
  • Goodwill and fee income financing
  • Partner buy-in structures
  • Client book acquisition
  • Earn-out arrangements
Partner Buyout
Structured finance for retiring partner exits, succession planning, and equity transitions.
  • Outgoing partner exit finance
  • Remaining partner consolidation
  • Deferred payment structures
  • Specialist business valuations
Office & Premises
Purchase your own offices or investment commercial property through the firm or SMSF.
  • Office suite purchase
  • SMSF commercial property
  • Leasehold improvement finance
  • Multi-floor & building purchases
Working Capital
Bridge trust account timing, PAYG obligations, and seasonal cash flow requirements.
  • Practice overdraft facilities
  • Trust account bridging
  • Tax & BAS payment timing
  • Fee advance facilities
Technology & Growth
Fund technology upgrades, practice management systems, and firm expansion.
  • Practice management software
  • Cybersecurity infrastructure
  • New hire and team growth
  • Office fit-out and relocation

Why MFA

Banking Insider Knowledge Working for You

Unlike brokers who've only ever worked on one side of the desk, your application is guided by someone who spent over 12 years inside the banks and accounting firms that assess your loans.

01
Professional Drawing Structures Understood
Partnership drawings, profit distributions, and variable partner income are assessed very differently across lenders. We know which lenders understand legal and accounting firm structures and won't shade your income or demand three years of financials unnecessarily.
02
Practice Acquisition Expertise
Buying into a law firm or accounting practice involves goodwill valuations, client fee multiples, and earn-out structures that most lenders don't understand. We've structured these deals and know how to get them across the line.
03
SMSF Commercial Lending
Many legal and accounting professionals use their SMSF to purchase their practice premises. We specialise in SMSF lending and can guide you through the structure, legal requirements, and lender selection for commercial SMSF loans.

Your Broker's Background

With over 12 years spanning Big 4 accounting, investment banking in London, and senior commercial lending at NAB, ANZ and Westpac — managing portfolios exceeding $250M — we bring genuine institutional knowledge to every legal and accounting client.

12+ Years Industry Experience
NAB · ANZ · Westpac · Deloitte · Edison Investment Research (London)
60+ Lenders — Full Market Access
Not limited to one institution's products or appetite
Complex Deals — Our Speciality
Self-employed, trusts, SMSF, development finance, credit-impaired
Founder-Built Business
Previously founded and sold a successful business — we understand what you're building
Bachelor of Commerce (Accounting)
Former Deloitte · 12+ years banking and accounting across NAB, ANZ & Westpac

At a Glance

Profession types Solicitors, barristers, CPAs, CFPs
Professional LVR Up to 95%
LMI waiver To 90% LVR
Income types Salary, drawings, profit share
Typical loan size $200K – $20M
Turnaround Fast-tracked

Common Questions

Do solicitors and accountants get better home loan rates?
Many lenders offer professional packages to members of legal and accounting professional bodies, which can include reduced rates, waived LMI to 90% LVR, and more flexible income assessment. Eligibility depends on your professional body membership and the lender's policy.
How is partnership income assessed?
Partnership income is one of the trickier areas of mortgage lending. We work with lenders who understand that drawings may not reflect your actual profit share, and who will look at the underlying business financials to assess your true income capacity.
Can I buy my firm's office through my SMSF?
Yes — this is a common and very effective strategy for legal and accounting firms. Your SMSF purchases the premises, the firm pays rent to the SMSF, and the super fund builds equity over time. We specialise in SMSF lending and can structure this for you.
What finance is available to buy out a partner?
We regularly structure partner buyout finance for professional firms. The loan can be secured against the business goodwill, property, or personal assets. The structure depends on the firm's balance sheet, the outgoing partner's terms, and your personal position.
Can I get finance if my practice income is variable?
Yes. We understand that legal and accounting income can vary with case volumes, billing rates, and client retention. We work with lenders who take a realistic view of professional firm income and won't penalise you for year-on-year fluctuations.
What about HECS debt for recent graduates?
Many professional lending packages treat HECS-HELP debt more favourably than standard lending, either excluding it entirely or applying reduced calculations. This can significantly increase your borrowing capacity as a young professional.

Ready to Access Professional Finance Tailored to Your Firm?

Book a free, no-obligation consultation with Melanie to explore your options. We'll assess your situation, explain what's possible, and give you a clear plan — no jargon, no pressure.

Apply Now → Book a Free Strategy Call

Or call 03 9020 2699 to speak with our team