PRESTIGE HOME LOANS
Larger loans on high-value homes are often assessed differently from an everyday home loan. Christian arranges finance for prestige purchases, upgrades and high-value refinances, and looks for lenders whose policies suit your income, assets and the way you prefer to structure your borrowing.
DISCREET, DIRECT AND PERSONAL
Direct Broker Access
You deal with Christian directly, from the first conversation through to settlement and every review after it.
Australia-Wide
Phone and video appointments Australia-wide, with in-person meetings by arrangement, wherever the property is.
Works With Your Advisers
With your authority, we work alongside your accountant, solicitor and financial adviser so the lending fits the wider plan.
WHAT WE ARRANGE AT THE PREMIUM END
Prestige Purchases
Finance for high-value homes, including the larger loan sizes and lender policies that can apply to them.
High-Value Refinancing
A review of your rate, structure and lender as your loan and property value grow, including any switching costs.
Upgrading and Bridging
Buying your next home before the current one sells, with bridging finance considered where it suits the timing.
Business and Complex Income
Company, trust, self-employed and investment income presented clearly, so a lender can assess the full picture.
Professional Packages
Some lenders offer reduced or waived lenders mortgage insurance for eligible professions, such as medical, legal and accounting. Eligibility and limits vary by lender.
Equity and Investment
Using equity in an existing property towards your next purchase or an investment, subject to valuation, serviceability and lender policy.
WHAT SHAPES A HIGH-VALUE HOME LOAN
At higher loan sizes the right lender depends on the whole picture, not just the rate. These are the areas lenders tend to look at more closely.
Loan Size and LVR
Some lenders apply lower maximum loan-to-value ratios, or extra conditions, as the loan amount rises.
The Property and Location
Property type, land size, location and the lender’s valuation can all affect how much a lender will lend against a prestige home.
Income Structure
Salary, bonuses, business profits and trust distributions can each be treated differently from one lender to the next.
Assets and Liquidity
Savings, investments and other assets can support an application, alongside your existing commitments.
Ownership Structure
Whether the property is held personally, jointly, or through a trust or company changes how lenders assess the loan. Your accountant advises on the structure itself.
Timing
Buying before selling, off-market purchases and auction deadlines all need finance that is ready when you are.
HOW WE APPROACH HIGH-VALUE LENDING
01
Understand Your Position
We start with the property, your timing and your full financial position, including income, assets and existing lending.
02
Compare Suitable Lenders
We look for lender options whose policies suit the loan size, the property and how your income is earned.
03
Manage the Application
If you proceed, we present the application clearly and keep it moving through valuation, approval and settlement.
COMMON QUESTIONS ABOUT HIGH-VALUE HOME LOANS
Do larger home loans have different rules?
Often, yes. Some lenders apply lower maximum loan-to-value ratios, extra conditions or additional valuation requirements as the loan amount rises, and the thresholds differ between lenders. We check how each relevant lender treats the loan size before recommending a direction.
Can I avoid lenders mortgage insurance as a professional?
Some lenders reduce or waive LMI for eligible professions, such as medical practitioners, lawyers and accountants, within set loan-to-value limits. Eligibility depends on your profession, registration and the lender’s policy, so we confirm it for your situation.
Can business or trust income be used?
Usually, but lenders differ in how they treat company profits, trust distributions and add-backs, and in the documents they require. Presenting that income clearly is one of the most important parts of a high-value application.
Do you only work in Brisbane?
No. AGFB is based in Brisbane and helps clients across Australia by phone and video, with in-person meetings by arrangement.