People First have great policies for essential services professionals. Loan amount up to $1.2m per security. They don't do Mortgage insured (MI) loans which means most lending is restricted to 80%. However for emergency services staff they offer loans up to 90% LVR on established Properties witgh no MI. This includes Owner Occupied & Investment - purchase or refinance, <3 Investment Properties when an investment is used as security, Principal and Interest repayments, Fixed or Variable rates; <80% LVR rates for >$500k lending.

For Medical professionals including Dentist, Pharmacists, Optometrists, Vets, GPs, Medical Specialists, Hospital Employed Doctors they offer loans up to $2m per security, LVR ≤90%; Owner Occupied and Investment - purchase or refinance, equity relase up to $200,000.

Family guarantees are available for parents to support the purchase of a property, Owner Occupied or Investment purposes. Guarantee limited to the amount of security required to remove LMI i.e. the 20% principal contribution plus fees. Structure can be one single loan, or multiple loans. A mortgage is taken over the purchase property and the property offered for the guarantee. Second mortgages can be considered for guarantor security up to 80% LVR of their property.