Bespoke Finance for Complex Financial Positions.
Sophisticated borrowers deserve sophisticated solutions. We access private banking channels and specialist lenders to deliver tailored structures, higher loan limits, and genuinely personalised service.
Choose Your Loan Type
We identify the private banking channel or specialist lender that best fits your transaction size, structure, and objectives.
What Is Portfolio Lending?
Portfolio lending treats your loan portfolio as a whole rather than assessing each facility in isolation. This approach allows lenders to take a broader view of your overall asset base, income streams, and net worth — often resulting in higher approval limits, more flexible security arrangements, and better pricing than you would achieve through standard retail channels.
Security Portfolio Flexibility
Rather than a single property securing a single loan, portfolio lenders can cross-collateralise multiple properties, accept a mix of residential and commercial real estate, and may accept listed securities, managed funds, or other financial assets as additional security. This gives sophisticated investors the ability to leverage their balance sheet more efficiently.
Loans Above Standard Limits
Standard residential loan products typically cap at $3–5 million. Above these thresholds, borrowers enter the private or jumbo lending market, where different assessment criteria, pricing models, and relationship-based service apply. We work with lenders who specialise in large loan transactions and can structure facilities up to $30 million or more for the right borrower profile.
Pricing & Relationship Banking
At significant loan sizes, pricing is negotiated rather than rate-carded. Our relationships with private banking divisions at major banks and with boutique private lenders allow us to negotiate materially better rates, reduced fees, and bespoke product features for eligible clients.
Australian Expats & Overseas Borrowers
Australian citizens and permanent residents living abroad — and some foreign nationals — can access Australian property finance, but standard lender policy often restricts or excludes foreign income. We work with lenders who are experienced in assessing overseas income, foreign currency earnings, and non-resident tax situations to structure loans for expat clients.
Foreign Income Assessment
Lenders that accept foreign income typically apply a haircut (discount) to the income amount — usually 20–30% — to account for exchange rate risk. We’ll identify lenders with the most favourable foreign income policy for your specific country of residence and employment situation, and manage the additional documentation requirements involved.
Key Loan Details
Indicative features across our three core private lending product types — all terms are individually negotiated.
Feature
Details
Eligible Borrowers
Australian citizens and PRs residing overseas
Foreign Income
Accepted by select lenders; typically 70–80% shading applied
Maximum LVR
Up to 70–80% (lender dependent)
Loan Amount
$100,000 – $5,000,000+
Currency
AUD-denominated loans; foreign income converted at assessment
Documentation
Foreign payslips, employment contracts, overseas tax returns
Power of Attorney
Required for some lenders if borrower cannot sign in person
Why Choose Us.
Discretion, access, and tailored advocacy for borrowers with sophisticated financial positions.
How the Process Works.
A discreet, managed process that minimises your time burden while maximising your approval outcome.
Do You Qualify?
Private lending eligibility is assessed holistically — complexity and asset quality matter as much as income.
- High net worth individuals, business owners, or professionals with complex income or asset structures
- Loan requirements typically above $1,000,000 (smaller for specialist situations)
- Ability to demonstrate serviceability from employment income, business income, investment returns, or asset liquidity
- Satisfactory credit history — adverse credit assessed case-by-case depending on nature and recency
- Acceptable security — quality real property preferred; other assets considered by private lenders
- Full financial disclosure required — detailed asset schedules, financial statements, and tax returns
Got Questions? We’ve Got Answers.
Answers to the private and high-net-worth lending questions we’re asked most often.
What defines a "high-net-worth" borrower for lending purposes?
Different lenders define this differently — but generally, private banking services are available to borrowers with a net worth exceeding $1–2 million (excluding owner-occupied home), or loan requirements exceeding $2–3 million. Some boutique lenders focus on deal complexity rather than asset size. We’ll advise which channel is most appropriate for your specific situation.
Can I borrow using a family trust or corporate structure?
Yes — private and portfolio lenders are accustomed to trusts, companies, and complex holding structures. Assessment will typically require the trust deed, trustee financials, and beneficiary information. Some lenders also require personal guarantees from directors or individual trustees. We’ll structure the application to meet the preferred lender’s requirements.
Do private banking lenders have better rates than standard products?
At loan sizes above $2–3 million, rates are individually negotiated and typically sit below standard published product rates. The degree of discount depends on the total relationship value, loan size, security quality, and lender appetite at the time of application. We’ll present your deal to multiple lenders to achieve the best outcome.
How do lenders assess income from a business I own?
Lenders assess business owner income by looking at the net profit after tax (or addbacks) from your business financial statements — typically requiring two years of accounts. For larger loans, lenders may also consider dividend income, director’s fees, and the capital value of the business itself as part of the overall servicing picture. Some private lenders use a holistic “total wealth” serviceability approach.
Ready to Discuss Your Private Lending Need?
Our private lending specialists work discreetly with high-net-worth clients, business owners, and complex borrowers. Contact us for a confidential consultation.
