Bonus and deferred comp counted
Selected lenders count consistent bonus history and deferred compensation more generously than standard policy.
← Finance & legal professionals
Home loans for finance professionals.
Banking, funds management, advisory and corporate finance roles often have complex income - bonuses, deferred comp, carry. Selected lenders read this properly. Subject to assessment.
Who this is for
Built for finance professionals like you.
- Investment banking, funds management, advisory
- Senior bank executives and risk professionals
- Financial advisers, planners and brokers
- Quants, traders and analysts
- First home, upgrade, refinance or investment
- Building a long-term portfolio
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
Professional package pricing
Some lenders apply enhanced pricing for qualifying high-income professionals.
Higher borrowing capacity
Profession-aware lenders apply more favourable assessment ratios for qualifying finance professionals.
Complex income understood
Carry, vesting RSUs, performance fees - selected lenders read these correctly rather than ignoring them.
Common challenges
Where this profession often hits friction.
Bonus volatility
A weak bonus year can wreck borrowing capacity at the wrong lender. We pick lenders that average properly.
Vesting equity and RSUs
Lenders treat equity comp very differently. Some count vested portions; others ignore equity entirely.
Multiple income components
Base + bonus + equity + deferred can confuse standard credit assessment. The right lender reads the full picture.
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 your full income structure including bonus, equity and deferred.
- 02Find lenders that count your variable income properly.
- 03Model borrowing capacity across multiple scenarios.
- 04Coordinate with your accountant or financial planner.
- 05Annual review of rate, structure and strategy - free, for life.
Documents to have ready
Make the first conversation faster.
- Last 2 payslips and recent bonus statement
- Last 2 years group certificates / income summaries
- Equity / RSU vesting schedule (if applicable)
- Employment contract showing comp structure
- ID and statement of position
- Current loan and credit card statements
FAQs
Common questions.
How are bonuses assessed?+
Lenders vary widely. Some take 100% of a two-year average; others discount to 50% or ignore. We choose lender based on how your bonus actually flows.
Are RSUs and vesting equity counted?+
Some lenders count vested portions as income; others ignore equity entirely. We pick lenders that recognise your full package.
Can you help executives with complex pay?+
Yes - complex pay structures are a core focus for our finance professional clients.
I work in a foreign currency - is that a problem?+
Some lenders accept foreign income; many don't. We work with the lenders that do, often at a discount but still workable.
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.