Mortgage & finance broker for high-net worth clients in Sydney NSW

Client success stories

Here is what we have been able to achieve for high net worth clients with complex financial structures and high value needs.

Internal refinance at the same private bank

Applicants had been with the same Big 4 Private Banking Team for 20 years, with a lending portfolio of c.$30M. We were asked to review their existing interest rates and see if better offers were available. After confidentially shopped their lending to the other Big 4 Private Banking Teams, we received ultra competitive offers. 

• The solution we found: We took these competitor offers back to their long standing private banking relationship, who matched the offered interest rates. 
• The client's benefit: The applicants ended up shaving 0.65% off their interest rate, without changing Private Banks or damaging the existing relationship, saving $164K per year. 

Securing finance with passive foreign income

An applicant earning passive foreign income from a large US managed shares account could not get finance approved with one of the big four banks for an investment purchase. She had no Australian Tax Returns and was previously told her only option was a second tier lender at a 7% interest rate.

• The solution we found: Two weeks before settlement, our team secured an exception to credit given her ultra high net worth with a major Australian lender outside the Big 4, on a market leading rate.
• The client’s benefit: She was formally approved within two business days and successfully settled on time, avoiding the high interest rate previously offered.

Achieving 80% lending on a premium $9M property

An applicant was previously told he was not able to purchase a $9 million property because major lenders would not lend up to 80% of the purchase price, a common hurdle for premium properties.

• The solution we found: Our team successfully put forward the argument that the $9 million property was the median price of the suburb in Sydney's East. We secured an exception to credit policy for the applicant.
• The client’s benefit: The applicant was able to successfully purchase the property and cash out 80% of his entire $18 million property portfolio.

Leveraging primary residence for family trust purchases

Applicants were told they could only borrow a maximum of 80% of a property they were purchasing for their children, which was to be owned by a trust.

• The solution we found: We introduced the applicants to a Big 4 Private Bank, and successfully used their Primary Place of Residence (in their personal names) as security for the property being purchased within the family trust.
• The client’s benefit: This achieved maximum tax deductibility for the applicants as an investment property, and allowed them to borrow and purchase for more than they were originally informed.

Financing a Sydney home with unique overseas trust income

Our client lived in Sydney, however, all of his income was from shares in a family trust. This trust derived significant income from oil wells in the USA. Our client was a minority shareholder and wanted to use that income to purchase a home in Sydney’s eastern suburbs.

• The solution we found: We were able to demonstrate the historical and ongoing nature of the income. Even though it was a unique circumstance, we found a major lender who was comfortable with the proposal and approved it.
• The client’s benefit: The client secured finance for their desired home purchase in a competitive market, utilising income streams that other brokers could not get approved.

Simplifying complex retirement equity release

We had an ultra high net worth client who was retired and was looking to draw some equity from their luxury Sydney home. Our client had a family office, a very large trust and superannuation portfolio. The client was also a director of 43 companies, which typically makes lending complexity difficult for the lender.

• The solution we found: We were able to simplify the financial analysis and present the entire complex scenario to the bank in an easy to understand way.
• The client’s benefit: This strategic simplification resulted in the loan being approved, allowing the client to draw equity without delays or unnecessary complexity.

$20M Refinance: Turning Banking Frustration Into Better Rates

After years with a major bank, our client was frustrated. Service was inconsistent, rates weren't competitive, and they had to constantly ask for better terms.

After a Google search, the client they found us and realised 4% on a $20M loan is a lot of money. But it wasn't just about the rate.

We handled the heavy lifting negotiating reduced documentation requirements with the new lender, eliminating unnecessary paperwork his wife's business returns. More importantly, we used our relationships with the bank's head of pricing to secure a variable rate that gave him the flexibility his business needed.

Our approach is simple: Advocate for you, simplify the process, and leverage our relationships in private banking to get results.

FAQs for high net worth clients

What is considered high net worth in Australia?

While the term can vary, generally, high net worth (HNW) individuals have significant liquid assets, often defined by financial institutions as having millions in investable wealth. What is most important to us is that if you have complex income streams, multiple investments, or high value properties, you need specialised loan solutions.

How can I get a loan if my income is mostly derived from bonuses or investments rather than salary?

We understand that a traditional salary does not always reflect your true earning capacity. If your income is variable, such as large bonuses, profits from a business, or investment distributions, we look for lenders who can assess the full picture of your financial strength. Our approach focuses on substantiating your total income and net assets to ensure you qualify for the finance you require.

Can I get financing for multiple investment properties, or are there limits?

While there are limits and specific policy hurdles, we have significant experience in arranging finance for large property portfolios. We work with lenders whose policies allow us to creatively structure loans across multiple assets, and in some cases, exclude certain debts or expenses from serviceability calculations to help you expand your portfolio.

Do I need a special type of mortgage if I have a high income?

You do not necessarily need a special mortgage, but you often need a specialised approach. If your income comes from self employment, trusts, or bonuses, standard bank policies may not recognise your full earning capacity. We specialise in working with private banks and non traditional lenders who understand and correctly assess complex income proofs, such as recent BAS statements.

Do I pay fees for your service, and how are you different from a private banker?

We do not charge for your initial appointments, which are obligation free. We are typically paid by the lender you choose. This model makes us an independent advocate for you. We are different from a private banker because we can compare and negotiate with over 90 lenders, ensuring you get the right loan option, not just the products offered by one institution.