Executives & professionals
Senior corporate, partner-level professional services, surgeons and specialists with high incomes but complex remuneration (bonus, share-based, deferred).
Premium finance
Lending for the part of the market the high street wasn't built for
A $3M property in Toorak is not 4× the deal that a $750k property in Brunswick is — it's a different category of transaction. Different lender appetite, different valuation dynamics, different income verification, different LVR caps, different covenants. And often, a different relationship-driven product set entirely.
MortgageHQ's premium finance practice services borrowers with loan sizes from $1M into the tens of millions. Most of our premium clients are Melbourne-based — Brighton, Toorak, South Yarra, Hawthorn, Mornington Peninsula — but we structure deals nationally.
We can navigate private banking introductions (where your loan is just one part of a broader relationship spanning investments, advisory and concierge banking), specialist non-bank lenders for complex profiles, and offshore-income-friendly structures where applicable.
Who we help
Profiles we structure premium finance around
Business owners & founders
Established business owners with company-held wealth, trust structures, and reinvested earnings that look weaker on personal returns than reality.
Family offices & trustees
Multi-generational family wealth structures, family trusts, holding companies, and intergenerational property transactions.
Property investors at scale
Investors with 5+ property portfolios where serviceability has become the binding constraint, requiring sophisticated portfolio structuring.
Expat & non-resident clients
Australian expats earning offshore income, foreign nationals investing in Australian property, dual-currency profiles and FIRB-approved transactions.
Pre-IPO & share-rich clients
Clients with significant share holdings — listed equities, employee share plans, pre-IPO equity — using securities-based lending alongside property security.
Local expertise
Melbourne premium suburbs we know well
Local knowledge matters more in premium finance than at any other end of the market. Valuation can swing 10–20% depending on the valuer's familiarity with the suburb and the comparable sales used. We brief valuers thoroughly and our lender selection accounts for which valuation panels are likely to deliver realistic outcomes in each market.
- Toorak & Armadale
- Brighton & Brighton East
- Hawthorn & Kew
- South Yarra & Prahran
- Mornington Peninsula (Portsea, Sorrento, Mt Eliza)
- Albert Park & Middle Park
- Camberwell & Canterbury
- Malvern & Glen Iris
- Bayside (Hampton, Sandringham, Brighton)
- Surrey Hills & Balwyn
- Mount Eliza & Frankston South
- Yarra Valley & Macedon Ranges (rural lifestyle)
Client stories
Real outcomes for real clients
★★★★★
"The team made what felt like a daunting process completely manageable. We secured a rate the bank wouldn't touch directly and were in our first home eight weeks later."
★★★★★
"After years of being told no by the majors for our self-employed structure, MortgageHQ found a solution. Approval came within a fortnight and on competitive terms."
★★★★★
"We refinanced our commercial property and unlocked equity for a second purchase — they structured the whole deal across two lenders. Saved us hundreds of basis points."
Answers
Premium finance — frequently asked questions
What makes premium finance different from a standard home loan?
Three things: deal size, lender approach and structure complexity. Premium deals ($1M+) attract lower interest rates (the rate sheet typically improves at $1M, $2M and $5M thresholds), require more rigorous income and asset documentation, and benefit from private banking and specialist commercial-style lending approaches not available on standard residential applications.
Do you work with private banking divisions?
Yes — we have established relationships with the private banking and high-net-worth divisions of the major Australian banks, plus a number of offshore-headquartered private banks operating in Australia. Private banking access typically requires loan size $2M+ or broader wealth profile.
Can you arrange finance for expats and non-residents?
Yes — Australian expats, foreign nationals (subject to FIRB approval) and dual-residency profiles are routine for our premium practice. Different lenders have very different appetites for offshore income, so lender selection is critical.
How are bonuses, share schemes and deferred income assessed?
Lenders shade variable income differently. Some lenders include 100% of two-year average bonus; others discount to 80%, 50% or zero. Restricted stock units and employee share plans can sometimes be capitalised in serviceability with the right lender. We map your specific remuneration profile against lender shading rules.
Is the engagement confidential?
Yes — discretion is fundamental to premium finance. We don't case-study individual clients, we don't market deals, and our process is structured around minimising the spread of your personal financial information to only those lenders genuinely competing for your file.
Can I borrow against my share portfolio?
Yes — both margin lending against listed equities and lombard lending (loans secured against broader asset portfolios) are part of the premium toolkit. They can supplement property-secured borrowing or stand alone. We integrate securities-based lending with property finance where appropriate.
Get in touch
Let's start the conversation
No obligation. Completely confidential. We'll respond within one business day to set up a no-pressure initial chat about your goals and the lending options available to you.
- Free initial consultation — no fees to talk
- Access to 60+ lender panel including major banks
- 25+ years of broker experience on every file
- We work with your accountant and advisers
Get in touch
Book a free consultation
Tell us a little about your situation and we'll be in touch within one business day. No obligation, completely confidential.
Ready for a smarter finance conversation?
Tell us about your situation — first home, refinance, commercial, SMSF or anything in between. We'll find the right structure across 60+ lenders. No obligation, completely confidential.