Home › Who We Service › High Net Worth
Who We Service
Mortgage Advice for High Net Worth Clients
Complex structures, multiple properties and larger loan amounts require a broker who can engage at your level — across residential, commercial, SMSF and trust lending. We don’t outsource the technical conversations.
Your Situation
What High Net Worth Lending Actually Requires
High-net-worth clients usually don’t have a simple finance position. Income comes from multiple sources — salary, business distributions, trust distributions, dividends, investment property rent, capital gains. Assets are held across multiple structures — personal, trust, company, SMSF. Borrowing is spread across multiple lenders to manage concentration risk and preserve serviceability headroom for the next acquisition.
The two biggest mistakes high-net-worth borrowers make at scale: cross-collateralising too many properties at one lender (creating a single point of failure for the entire portfolio), and engaging only their private bank for property finance (missing out on better-priced or more flexible options available elsewhere on the broker market). Both are common; both are usually fixable.
We also see high-net-worth clients facing serviceability constraints that look strange given their wealth. A client with $20m in assets and $200k in passive income may struggle to borrow another $2m for a property, because lenders assess the loan against current cash income rather than asset value. Working out how to position the income — through legitimate restructuring of distributions, timing of dividends, or choosing a lender that takes asset-based lending — is where broker expertise actually shows up.
Services Relevant to You
Finance Services for High Net Worth Clients
Discretionary, unit and hybrid trust structures — we know which lenders accept which deeds and at what pricing.
Learn more →Pty Ltd company borrowing for property — asset protection and tax flexibility, structured properly.
Learn more →Commercial property finance across asset classes — office, retail, industrial, hospitality, specialised assets.
Learn more →Residential and commercial property inside SMSF — LRBA structures, bare trusts, contribution-strategy coordination with your accountant.
Learn more →Untangle a cross-collateralised portfolio across multiple lenders to restore flexibility — often the highest-impact single move a portfolio investor can make.
Learn more →How We Help
How We Help High Net Worth Clients
We engage at the technical level. That means reading your structures (trust deeds, company constitutions, SMSF investment strategies), understanding how income flows across your entities, and identifying which lenders will most generously assess that income for the borrowing you need. We have direct conversations with your accountant and your solicitor — and we keep those conversations grounded in the actual deal, not abstract theory.
We narrow to lenders that suit your scale. Major banks’ private banking arms have a specific offer, but they aren’t always the most competitive on rate or the most flexible on structure. Several specialist non-bank and second-tier bank lenders write substantial high-net-worth loans at very competitive pricing and with policies built for complex borrowers. We compare across the full set.
We protect your portfolio’s flexibility. Where possible, we use stand-alone lending against each property at the lender best suited to that property — rather than cross-collateralising everything at one lender. This keeps each property independently saleable, refinancable and unencumbered by what’s happening with other properties. Over a 20-year portfolio life, this matters more than any single rate difference.
FAQ
High Net Worth Borrowing Questions
How is high net worth lending different from regular lending?
The mechanics are similar but the structures and stakes are bigger. A typical HNW loan involves multiple borrowing entities (often a trust or company plus directors as guarantors), substantial income from non-salary sources that needs careful presentation, larger LVR and serviceability assessment headroom, and frequently a portfolio view across multiple existing properties. The right lender for a HNW client is often very different from the right lender for a single-income wage-earner.
Should I use my private banker or a broker?
Both have a role, often working in parallel. Private bankers offer relationship pricing and bundled services (deposits, FX, investment products). Brokers offer breadth — access to lenders the private bank doesn’t represent, sharper pricing on commodity transactions, and an independent perspective. Many HNW clients use both: the private bank for the relationship products and a broker for specific transactions where breadth and independence add value.
How do you handle multiple-property portfolios?
We take a portfolio view from day one. For each new transaction, we assess how it interacts with your existing structure — which lender, which security, which loan type, and how the equity will be drawn for the next acquisition. Where helpful, we’ll also recommend a portfolio review of your existing lending to identify cross-collateralisation issues, suboptimal rates and serviceability inefficiencies.
Can you handle structures my private bank can’t?
Often yes — particularly hybrid trusts, complex international income, asset-based lending against substantial investment portfolios, and lenders outside major bank panels. The specialist non-bank market has grown substantially over the past decade and several lenders now write structures that major banks can’t or won’t.
Do you work with my accountant and solicitor?
Yes, routinely. For HNW transactions, the accountant typically drives the structure (which entity should hold the property, how the borrowing affects tax position, contribution strategies for SMSF) and the solicitor reviews the documents. We sit in the middle, executing the lending side around their advice. We’re comfortable having technical conversations with both.
Talk About Your Next Transaction
Free consultation. Tell us about your existing portfolio, your structures and what you’re trying to achieve. We’ll bring options that suit your scale.
Get a Free Consultation