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Hi Jon - I can see the banks seeing the arrears stats as valid. It would be interesting to see how they collate the stats. Do they look at the occupation of both applicants or just the higher income earner. I would make the generalization that teachers and nurses would prob be the secondary...

I am not ignoring it Aaron. I agree in part with your example above about income comparison However, a person earning 200k wouldn't be a standard accountant in a small business - they probably have a senior position and as you said in a large firm and have worked their way up. I doubt that...

So banks discriminate? The facts on paper are accountant 90k, teacher 90k but accountants have "massive earning potential" so they are a lower credit risk. Tobe you were right when you said no use looking for logic in banks and finance.

:) No necktie - OH&S. Ooops my mistake -that wouldn't be the professionals getting dirty underground. The professionals would be inside in the airconditioning with their hard hats on

Aaron the question is why are teachers and nurses NOT entitled to a special package under the 'profession' umbrella. The key words you missed was 'predominately male' when I referred to doctors and accountants.

Buy yet again an applicant is defined by their occupation. Not by their financials. What is a mining professional? On an application is just the higher income earners occupation used? For example if it is a joint application then do both applicants need to be accountants to get the...

Aaron I was curiously looking into what occupations are considered 'professional'. My observation was based on my familiarity with the history of education, social status and gender. In the past it was men who went on to further education and women became homemakers. It was also the wealthy or...

Banks assess earnings of all applicants as part of their credit risk. So why the need for this 'professional' club? The maximum earning end of these professions is higher. It is also dependent on the individuals ambitions, specialisations, public v private practice. Not all these...

I get it now. I just read through the AMP listed professions. I see accountants linked in there. And it clicked .... it is a gender thing, boys club, predominantly male dominated occupations, while times have changed / are changing in that female numbers in these occupations are increasing -...

This topic had me curious about what is a 'profession'. Some info I came across said 4 year learned degree plus compulsory registration with an relevant organisation. Another determinant was that the occupation had the interest of the public at its core. Doctors look after health, lawyers...

Ok I'll bite. What does a job require to be a profession?

Thanks Brady - a reminder that some us of are fortunate enough to have permanent employment. I had forgotten about the contract side - was just looking at the need for these professionals.

So why don't nurses and teachers get this offer? I would have thought there is job stability in those fields. Or is that where the high income comes in? Do medicos need to prove savings? A friend's husband is a specialist and was left without a job (not patient related - partners...