Question 1

Do you only work with executives?

Accepted Answer

No. We specialise in executives, professionals, entrepreneurs and high net worth individuals — anyone whose income or structures are more complex than a standard payslip. If your last broker told you to keep it simple, you're probably our client.

Question 2

How much does Exec Finance charge?

Accepted Answer

Nothing. We operate on a no-cost, no-obligation model — our service is paid by the lender you settle with. If you don't go ahead, there's no fee.

Question 3

What makes you different from going to my bank?

Accepted Answer

Your bank can offer you its products. We compare 50+ bank and non-bank lenders — including private banking channels and lender policies most borrowers never see — and structure the application so your full financial position works for you, not against you.

Question 4

How is Exec Finance related to MedX Finance?

Accepted Answer

Exec Finance is a trading name of MedX Finance (Operations) Pty Ltd and operates within the MedX Finance group, which settles over $1B annually. Same systems, same lender relationships, same standards — focused on executives and business owners rather than medical professionals.

Question 5

Can you work with my accountant or financial advisor?

Accepted Answer

Yes, and we prefer to. We coordinate directly with your advisors on structure and documentation, which saves you time and produces better outcomes.

Question 6

How fast can I get approved?

Accepted Answer

It depends on the lender and the complexity, but well-packaged applications with the right lender match can be approved in as little as 24–48 hours. Speed comes from preparation and lender knowledge, not luck.

Question 7

What do you need from me to get started?

Accepted Answer

A conversation first. After the strategy call we'll give you a precise document list for your scenario — typically ID, income evidence appropriate to your structure, and details of assets and liabilities.

Question 8

When are you available?

Accepted Answer

7am to 7pm, 7 days a week, with support nationwide and offices in Sydney, Melbourne and Brisbane.

Question 9

My income is mostly bonuses, equity or business profits. Can I still borrow well?

Accepted Answer

Yes. Lenders treat bonus income, RSUs, dividends and retained business profits very differently — some count 100%, some count none. Matching your income mix to the right lender's policy is often worth hundreds of thousands in borrowing capacity.

Question 10

Can I avoid Lenders Mortgage Insurance (LMI)?

Accepted Answer

Possibly. Several lenders waive LMI at up to 90% LVR for eligible professionals — including accountants and lawyers — and other waivers exist based on income and profession. We'll tell you quickly whether you qualify.

Question 11

Can I borrow through a trust or company?

Accepted Answer

Yes. We regularly structure lending through family trusts, corporate trustees and layered entities. The key is packaging the application so the lender understands the structure the first time.

Question 12

Do you arrange SMSF loans?

Accepted Answer

Yes — including commercial property purchased through your SMSF, which remains one of the most effective structures for business owners buying their own premises.

Question 13

I own a business. Will my business debt hurt my home borrowing?

Accepted Answer

Not necessarily. Some lenders exclude business debt when assessing personal borrowing capacity — a policy difference that can completely change what you can do.

Question 14

My financials aren't up to date. Am I stuck?

Accepted Answer

No. Low-doc and alt-doc options exist for both residential and commercial lending, assessed on accountant declarations or BAS.

Question 15

What is private banking access and do I qualify?

Accepted Answer

Private banks offer bespoke lending, pricing and service to high net worth clients — typically by invitation. We hold relationships across these channels and can introduce qualifying clients directly.

Question 16

Can I buy commercial property through my SMSF?

Accepted Answer

Yes. An SMSF commercial property loan under a Limited Recourse Borrowing Arrangement (LRBA) is one of the most common structures we arrange — particularly for business owners buying their own premises and leasing them back to the operating entity at a commercial rate. LVRs typically sit at 65–75%, rates are higher than standard commercial, and the fund must meet the sole purpose test. We coordinate with your accountant and SMSF auditor before you sign.

Question 17

What is a low doc or alt doc home loan and who qualifies?

Accepted Answer

A low doc (or alt doc) home loan lets self-employed borrowers and business owners verify income without full tax returns — typically using an accountant's letter, BAS statements, or 6–12 months of business bank statements. Rates are modestly higher than full-doc loans and LVRs usually cap at 80%. It suits recently-restructured businesses, prior-year returns not yet lodged, or income that doesn't show cleanly on a personal return.

Question 18

Do you work with non-bank lenders in Australia?

Accepted Answer

Yes. Our panel of 50+ lenders includes the major banks, second-tier banks, and specialist non-bank lenders. Non-banks often approve scenarios the majors decline — recent credit events, complex income, short trading history, or unusual security — and their pricing has become highly competitive. We only recommend a non-bank where it produces a better outcome than a bank alternative.

Question 19

Is rentvesting a good strategy for high-income professionals?

Accepted Answer

Rentvesting — renting where you want to live and buying an investment property elsewhere — can work well for executives and professionals who move for work, want to stay in a premium suburb below their purchasing power, or want to preserve deductible debt. It's not right for everyone: capital gains tax, negative gearing, and lifestyle trade-offs need to be weighed. We structure the lending; your accountant should confirm the tax position.

Question 20

Can you arrange a bridging loan in Australia?

Accepted Answer

Yes. Bridging finance funds the purchase of a new property before your existing one settles. Terms are usually 6–12 months, and lenders generally require enough equity across both properties to cover the peak debt. Correct structuring matters — a poorly set-up bridge can leave you carrying two mortgages longer than expected. We stress-test the numbers before you commit.

Question 21

Can you finance a business acquisition or partnership buy-in?

Accepted Answer

Yes. We arrange business acquisition loans for share purchases, asset purchases, partnership buy-ins and equity buy-outs — including in professional services firms where the security is goodwill and future earnings rather than tangible assets. Structure ranges from unsecured cash-flow lending to secured loans against the target business or personal property. Deal-specific — talk to us before you sign a Heads of Agreement.

Question 22

Do you arrange equipment finance and asset finance?

Accepted Answer

Yes. We arrange equipment finance, chattel mortgages, and operating leases for commercial vehicles, plant and machinery, medical equipment, IT hardware, and fit-outs — from major banks and specialist asset-finance lenders. Approvals are typically fast, and low-doc options exist for established businesses.

Question 23

When should I refinance my home loan?

Accepted Answer

The trigger is usually a rate that's drifted well above market, a change in circumstances (income growth, restructure, investment plans), or lender policy no longer fitting — for example, needing to release equity, consolidate debt, or move to interest-only for an investment. We run a break-even calculation on any exit costs so the switch actually pays off.

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