Bonus, commission and incentive income
Selected lenders count bonus, commission and short term incentive income with two years of consistent history. The right lender materially changes capacity.
← High income earners & executives
Home loans for high income earners on the Gold Coast.
You earn well, but that does not always mean your home loan is simple. We help high income earners on the Gold Coast compare smart lending options for buying, refinancing and investing - subject to assessment.
Who this is for
Built for high income earners on the gold coast like you.
- Executives, directors and senior managers
- Business owners and company principals
- Medical, legal and accounting professionals
- Finance and tech professionals on packaged pay
- Property investors with multiple properties
- High income households planning their next move
Lending advantages
What may be available to you.
Several lenders apply specific policies to your profession. Eligibility, limits and pricing vary - subject to assessment.
Larger loan sizes handled properly
We work with lenders that genuinely assess large loan amounts rather than capping at branch-level limits.
Refinancing for structure and flexibility
We review existing structures across multiple properties, offsets and splits to make sure each loan is doing the job it should.
Investment lending for wealth building
Investment property lending forms the core of many high income households. We model serviceability across the full portfolio, not just the next deal.
Common challenges
Where this profession often hits friction.
Why high income earners still get knocked back
Large incomes often come with large commitments - multiple loans, high living costs, school fees, business debts. Generic assessors discount what they don't understand.
Complex income structures
Trusts, company distributions, director fees and packaged pay are read differently by every lender. Lender choice is the single biggest variable.
Deposit and equity strategy
Larger purchases need a clear deposit and equity plan - including how existing properties contribute to the new purchase.
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 every income component - base, bonus, trust, business and rental.
- 02Confirm which components each lender will count and at what discount.
- 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.
- Recent payslips and employment contract
- Bonus or commission history
- Last 2 years personal and entity tax returns
- Rental income statements for any existing properties
- Current loan and credit card statements
- Assets and liabilities summary
FAQs
Common questions.
Do high income earners automatically qualify for bigger loans?+
No. Large incomes often come with large commitments and complex structures. Lenders assess the full picture, not just gross income. Subject to assessment.
Can bonuses and commissions be used?+
Selected lenders count bonus and commission income with two years of consistent history. The discount applied varies materially between lenders.
Can I refinance if I have multiple properties?+
Yes - we regularly review and restructure portfolios across multiple lenders to improve cashflow, pricing and flexibility.
Can you help with investment lending?+
Yes. We model serviceability across the full portfolio and recommend lenders that handle complex investment lending well.
Do Gold Coast buyers need a local broker?+
Not strictly, but local knowledge of Gold Coast valuations, suburbs and prestige property helps when positioning an application.
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.