Professionals & Executives: When Our Expertise Is Right for You

We arrange finance for senior professionals, including CEOs, executives and other high-income decision-makers whose financial positions are often complex.

This includes scenarios where income is not straightforward, such as bonus structures, shares, or franked and unfranked distributions, as well as clients who borrow through more than one entity, such as an individual or a corporate trustee.

We support clients with diverse asset positions, including liquid assets such as shares that may be used as part of a deposit strategy, and those seeking to structure lending across personal, business, and SMSF environments.

If you are short of time, we can coordinate the lending with your accountant, lawyer, financial planner and buyer’s agent, so every adviser is working from the same plan.

Our role is to simplify complex lending through careful structuring and ongoing relationship management.

Much of a senior package sits in the parts a standard lending template handles least well, so the same income can be assessed very differently from one lender to the next.

Where the assessment can go wrong

Bonuses and commissions. Lenders treat these very differently: some may count them in full after a two-year history, some count only part, some use the lower of the last two years, and some do not count them at all. Where variable pay is a large part of the package, that choice can change borrowing capacity materially.

Equity and share schemes. RSUs and vested share plans can be real income, yet some lenders leave them out of the assessment altogether. Others may recognise a consistent vesting history, which can matter on a larger purchase.

Allowances and salary packaging. Car, travel and living-away allowances are sometimes added and sometimes not, and packaging arrangements can make gross salary look smaller than it is.

Foreign or recently-returned income. Earnings in another currency, or an Australian role just commenced after time overseas, both need presenting rather than simply submitting.

Mortgage insurance and deposit policies

Some lenders may have policies for certain professions that treat income, deposit or insurance differently. Whether any policy applies depends on the lender, your profession, your stage of career and the lender’s current policy, which we confirm before you rely on it. The lender decides whether you are eligible and whether to approve the loan. If you work in medicine or dentistry, see medical and specialised lending.

What can matter as much as rate

Timing and clarity. A senior professional buying at auction or in a competitive market needs to know early how a lender is likely to treat the bonus and the share income, rather than finding out part way through an application. We look at which lenders’ policies may suit your profile before anything is lodged, and the lender decides.

What professionals come to us for

Home lending on a variable package · Investment lending · Refinancing and equity release · Buying inside super · Trust structures

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