Six very different situations. One standard: expert advice, clear structure and complete ownership of the process. Which one sounds like you?

You make great money, so why is this so hard? You've explained your bonus structure to a new bank manager every twelve months. You've sat on hold. You manage millions of dollars of decisions at work without blinking, and the mortgage market is the one industry that still treats you like a form to process.
You don't want to be educated about lending. You want it handled by someone you trust.
How do lenders assess bonus and equity income?
Lenders typically count 60–100% of bonus, commission and RSU income, but policies vary widely: some average two years, some accept one, some exclude equity compensation entirely. On a senior package this difference can move borrowing capacity by seven figures. We select the lender whose policy fits your package.
“I don't have time to chase paperwork. Tell me what you need, get it done, and let me know where to sign.”
What our executives clients tell us
How we work with you
Common questions
Typically one strategy session and a signing session; everything between is ours to run.
Several lenders, each counting different portions. Matching your package to the right policy is often worth hundreds of thousands in capacity.

Your income doesn't fit the bank's boxes. Assets and strong cash flow, but because it sits in a trust, or arrives as distributions, or was retained to grow the business, the bank says no. Or worse, says ‘maybe’ for six weeks and then no. You feel penalised for the very success you built.
Why do banks say no to profitable business owners?
Banks assess most applications against payslip-based rules, so business income - retained earnings, add-backs, director loans and variable years - often reads as risk even when the position is strong.
We repackage the same financials into each lender's accepted format and choose lenders whose policy fits the structure, routinely converting declines into approvals.
“I've built a business worth millions. I shouldn't have to fight for a mortgage.”
What our business owners clients tell us
How we work with you
Common questions
As little as one with several lenders; alt-doc or low-doc options exist when returns don't reflect current earnings.
Common and solvable: add-backs, alt-doc verification and lender selection all address it. We work with your accountant directly.
Now, with a different lender and a properly packaged file. Talk to us before applying anywhere else; scattergun applications damage your credit file.

Every property you add makes the next one harder. Not because you can't afford it, but because each loan was set up as if it were the last. Cross-collateralised security. Capacity burned at the wrong lender. Portfolios don't stall for lack of ambition; they stall for lack of structure.
How do I keep borrowing capacity while growing a portfolio?
Lender sequencing is the key: each lender assesses your existing debts differently, so the order you use them in determines how far capacity stretches. Combined with standalone security, deliberate entity choice and the right interest settings, correct sequencing can extend a portfolio by several properties on the same income.
“They looked at my whole portfolio, not just the one loan.”
What our investors clients tell us
How we work with you
Common questions
Usually several. Concentration gives one credit team control over your whole portfolio.
It hands the bank security over multiple properties for one loan, complicating sales, equity releases and refinances. We unwind it wherever possible.

You suspect you're paying too much. You're probably right. But finding out feels like a second job. Every comparison site wants your phone number. And a small voice says switching might land you somewhere worse, behind a honeymoon rate with fine print. So the loan sits there, quietly overcharging you every month.
How do I know if I'm paying too much?
If you haven't renegotiated in two years, you're likely above the market; banks price new customers sharper than loyal ones. On a $1M loan, a 0.5% gap costs roughly $5,000 a year. A full-market review shows the gap in dollars; ours is complimentary and includes the honest answer if your bank is still your best option.
“I've been with my bank for five years, but I feel like I'm paying a loyalty tax. I want to know my options.”
What our refinancers clients tell us
How we work with you
Common questions
Usually, and the hassle is ours: your involvement is one session plus signatures.
Typically $300–$1,200 state-dependent in fees, often offset by cashbacks; every cost appears in the comparison first.
Every 12–24 months or when rates move. Our clients get this automatically.

Everyone has advice. The internet says you need 20%. A calculator said one number; a bank said another. Meanwhile prices move while you save, and the fear underneath is simple: making a six-figure mistake on your first big decision. You don't need another opinion. You need a plan, in plain English, from someone who does this every day.
How much deposit do I actually need?
Often less than 20%. With lenders mortgage insurance you can buy with 10–12% all-in; government schemes let eligible first-home buyers purchase with as little as 5% and no LMI, and some professions qualify for waived LMI. The right answer depends on your income, price bracket and current scheme settings, which change yearly.
“I don't even know where to start, and every broker tells me something different.”
What our first-home buyers clients tell us
How we work with you
Common questions
Nothing. The lender pays us at settlement, and you'd get the same rate going direct anyway.
Yes. It sets your real budget, strengthens offers and surfaces issues while there's time to fix them.
Usually, with the right documentation. Guarantor structures can go further, sometimes removing the deposit hurdle entirely.

Doctors, dentists, pharmacists, specialists and allied health professionals are among the most sought-after borrowers in the market - but medical income is rarely simple. Private billings, practice distributions, trust structures, locum work and overtime all get read differently by different lenders.
We present your full income the way credit teams need to see it, and we put your professional standing to work on rate, ratio and speed.
Do medical professionals get better home loan terms?
Often, yes. Many lenders offer eligible medical professionals waived lenders mortgage insurance at higher lending ratios, sharper pricing and more generous treatment of complex medical income. Eligible professions and thresholds vary by lender - matching your profession and income structure to the right policy is the job.
“Between the practice, the rosters and the on-call weeks, the last thing I have time for is chasing a bank.”
What our medical professionals clients tell us
How we work with you
Common questions
Lists differ by lender, but typically cover doctors, dentists, specialists and a range of allied health and pharmacy professionals. We check your profession against every current policy.
No - it's our daily work. We consolidate practice income across entities into a single serviceable position lenders approve.
Don’t see yourself above? Complex situations are the ones we like best.
Whatever your situation, the first conversation is the same: a strategy session that maps where you stand and what's possible. Complimentary, and genuinely useful whether we work together or not.
Call Jess to schedule a strategy session
with one of our brokers - 0474 471 489
Finance structured around your goals.