Salary, commission and business income
Selected lenders count salary, commission and ongoing service income properly when documented. Subject to lender policy.
← Finance & legal professionals
Home loans for financial planners.
Home loan support for financial planners who want lending options that properly reflect their income, business structure and property goals. Subject to assessment.
Who this is for
Built for financial planners like you.
- Employed financial planners and authorised representatives
- Self employed advisers and practice principals
- Advisers with commission or ongoing service income
- Para-planners and senior client managers
- Mortgage and finance professionals
- Buyers, refinancers and 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.
Professional lending options
Some lenders extend finance-professional policy to qualifying planners, which may include LMI concessions at higher LVRs.
AFSL or authorised representative recognition
Lenders comfortable with the financial advice industry recognise AFSL holders and authorised reps properly.
Independent lending advice
You spend your day giving advice - we're set up to do the same on lending, with no product cross-sell.
Common challenges
Where this profession often hits friction.
Trail and recurring revenue
Trail and recurring service income is treated inconsistently between lenders. Lender choice can change capacity materially.
Variable bonus and commission
Bonus and incentive income depends heavily on documentation and lender appetite. We model conservative and best-case scenarios.
Recent business restructure
If you have recently moved licensee, set up your own practice or changed entity, lender selection matters more than usual.
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.
- 01Confirm whether your role qualifies for finance-professional policy with our lenders.
- 02Map base salary, bonus, commission and any business income.
- 03Coordinate with your accountant on entity structures.
- 04Model borrowing capacity across multiple lender scenarios.
- 05Annual loan review for as long as you're a client.
Documents to have ready
Make the first conversation faster.
- Employment contract
- Recent payslips
- Commission history
- Last 2 years personal and business tax returns
- Business financials if self employed
- AFSL or authorised representative details where relevant
- Existing loan statements
FAQs
Common questions.
Can financial planners access professional lending options?+
Selected lenders extend finance-professional policy to eligible planners, which may include LMI concessions. Subject to lender policy.
Can commission income be used?+
Yes, with two years of consistent history and the right lender.
Can self employed financial planners qualify?+
Yes. Two years of consistent business performance generally supports strong outcomes.
Can I invest while running my own practice?+
Yes. We model investment lending across your full personal and business position.
What documents should I prepare?+
Payslips or financials, last 2 years tax returns, commission history, AFSL or authorised rep details and current loan statements.
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.