Bonus and incentive income
Selected lenders count short term incentive and bonus income with two years of consistent history.
← High income earners & executives
Home loans for executives.
Premium home loan guidance for executives who need lending structured around income, bonuses, equity and long term property goals. Subject to assessment.
Who this is for
Built for executives like you.
- CEOs, CFOs and COOs
- General managers and senior managers
- Executives with bonus or incentive pay
- Executives with equity, RSUs or shares
- Directors and board members
- High income property investors
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
Equity, shares or RSUs
Vested equity from listed employers can count as supplementary income with the right lender - usually discounted but not ignored.
Large loan sizes handled properly
We work with lenders that genuinely assess large loan amounts rather than capping at branch-level limits.
Protecting flexibility with structure
Offsets, splits and lender choice keep flexibility intact across the portfolio.
Common challenges
Where this profession often hits friction.
Why executive lending can be complex
Large incomes often come with large commitments - multiple loans, school fees, complex tax structures. Generic assessors discount what they don't understand.
Bonus and equity concentration
Where a large share of pay sits in bonus or equity, lender selection becomes the single biggest variable.
Foreign currency or split pay
Pay split across AUD and USD/GBP needs lenders comfortable with the structure.
How we help
Strategy first. Loan second.
Our process is the same for every client - understand the situation, model it against selected lenders, then recommend a path. No pressure, no surprises.
- 01Map base, bonus, equity, RSU and any board fees.
- 02Confirm which components each lender will count.
- 03Model borrowing capacity across multiple lender and structure scenarios.
- 04Coordinate with your accountant on tax and entity structures.
- 05Annual loan review for as long as you're a client.
Documents to have ready
Make the first conversation faster.
- Employment contract
- Recent payslips
- Bonus history
- Equity or share evidence if applicable
- Tax returns where needed
- Current loan statements
- Assets and liabilities summary
FAQs
Common questions.
Can executives use bonus income?+
Selected lenders count bonus and incentive income with two years of consistent history. The discount applied varies materially between lenders.
Can share income or RSUs be used?+
Several lenders count vested equity as supplementary income, usually with a discount. Unvested awards are rarely counted.
Can executives get no LMI options?+
Selected lenders extend professional or finance-professional policies to qualifying executive roles. Subject to lender policy.
Can you help with large loan sizes?+
Yes. Large loans are a regular part of our caseload. We choose lenders that genuinely assess at the size you need.
Can executives build a property portfolio?+
Yes. We model serviceability across the full portfolio, not just the next deal.
Want to know what you may qualify for?
Send us a few details and we will check your options with current lender policy.
Every lender has different rules. Your eligibility depends on your income, deposit, credit history, property type, location, existing debts and the lender policy at the time of application.
This information is general only and does not consider your personal situation. Lending options, LMI waivers, interest rates, loan amounts and approval requirements vary by lender and can change at any time. We will check your circumstances against current lender policy before making any recommendation.