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Hi Serenas, the St George policy is not available for IT professionals. I am not aware of any lenders that would consider this.

There might be another reason that i am not aware of as to why it was not done under the LMI waiver policy. There are some other hurdles such as minimum income ect.

Pharmacist's are allowed under the St George 90% no lmi policy

You are allowed to have it in a trust name. "This policy is available for application submitted for credit in the individual applicant(s) own name, or related company or trust entities, provided direct ownership and/or directorship by the applicant(s) is evident"

The income level can be based on future income potential and total joint income between applicants. A couple of examples is single applicant earned 110K in 2010, 120K in 2011, 130K in 2012 there is a good case to argue that they would be above the minimum income requirement in the near future...