You structure your clients' finances.
Let us structure yours.
Home loans with LMI waivers, practice acquisition finance, SMSF lending, and whole-of-portfolio strategies. Built for accountants, CPA partners, and firm principals who deserve more than a standard bank product.
Book a confidential strategy callNo cost. No obligation. Response within 1 hour.
Banks don't understand how accountants are paid
Your income structure is designed for tax efficiency, not to make a bank's credit team comfortable. That gap costs you borrowing capacity, time, and money.
Partnership distributions rejected
Banks discount or ignore partnership income, profit distributions, and drawings, even when your practice has been profitable for decades.
Trust structures penalised
Income flowing through family trusts, discretionary trusts, and hybrid structures gets treated as "irregular" by standard credit assessors.
Weeks waiting for answers
Your application sits in a generalist queue while an assessor tries to understand what a partner equity buy-in even means.
Paying LMI you shouldn't be
Qualified accountants can access LMI waivers that save tens of thousands, but your bank never mentioned it.
Finance solutions built for your world
From your first home to your tenth investment property, from partner buy-in to full practice acquisition, we cover every stage of your financial life.
Home Loans with LMI Waivers
Access exclusive professional lending rates and borrow up to 90-95% LVR without paying Lenders Mortgage Insurance.
- LMI waiver for CPA, CA, and CPA-registered accountants
- Rate discounts through private banking panels
- Complex income structures accepted
- Pre-approval in as little as 24 hours
Practice Acquisition & Buy-In Finance
Finance your partnership equity buy-in, acquire a practice, or fund a merger with lending structured around fee-base goodwill.
- Up to 100% financing for established practices
- Goodwill-based lending for partner buy-ins
- Succession planning structures
- Asset protection through entity structuring
Investment Portfolio Structuring
Build and scale a property portfolio across personal, trust, company, and SMSF entities, with every dollar optimised for tax and growth.
- Whole-of-portfolio debt strategy
- Cross-collateralisation analysis
- Interest-only vs P&I optimisation
- Multi-entity lending coordination
SMSF Property Lending
Purchase residential and commercial property through your self-managed super fund with specialist SMSF-compliant lending.
- SMSF residential and commercial loans
- Bare trust and holding trust structures
- Competitive SMSF interest rates
- Full compliance guidance
Commercial & Practice Premises
Own your practice premises instead of renting. We structure commercial property finance that builds equity in your business, not your landlord's.
- Up to 90% LVR for practice premises
- Fitout and equipment finance bundled
- Refinancing from existing facilities
- Development and construction finance
Complex Income & Debt Structuring
We present your income the way it should be seen: across partnerships, trusts, dividends, and mixed structures. This unlocks maximum borrowing capacity.
- Partnership income & drawings
- Trust distributions & dividend streams
- Mixed PAYG + practice income
- Foreign income and offshore entities
The LMI waiver most accountants don't know about
Qualified accountants (CPA, CA, IPA members, and CPA-registered professionals) can access Lenders Mortgage Insurance waivers from select lenders.
This means you can borrow up to 90-95% of the property value without the additional cost of LMI. On a $1.5M property, that's a saving of $20,000–$40,000+ that stays in your pocket.
We know which lenders offer it, which structures qualify, and how to position your application for approval.
Every stage of your accounting career
Whether you're a salaried senior accountant or a managing partner of a Top 100 firm, we customise the strategy to where you are and where you're going.
Senior Accountants
Salaried CPA/CA professionals at Big 4, mid-tier, or boutique firms
Partners & Principals
Equity partners, directors, and firm principals with complex income
Practice Owners
Sole practitioners and firm owners looking to acquire, expand, or exit
Financial Planners & Advisers
Financial planning professionals with practice-based or trail income
Three steps. No cost. No obligation.
We move at your pace, but most accountants are surprised how fast we move when you're ready.
Confidential Strategy Call
A 15-minute call to understand your goals, income structure, entity setup, and timeline. No paperwork, no commitment.
Customised Strategy & Lender Match
We map your full financial position and match you to the best lenders from our 50+ panel, including private banking divisions you won't find on comparison sites.
Approval, Settlement & Beyond
We manage the entire process from application to settlement. Then we stay on as your ongoing finance strategist, reviewing your portfolio as your career evolves.
Our Lender Panel
We have access to all major lenders in Australia, bank and non bank, thats over 50 lenders to find the right product for you.
But we go further
Securing exclusive products, terms, and access you won't find on the high street.
🔒 Available only through Exec Finance.
Common questions from accountants
If you can't find your answer here, book a call. We'll answer it in 15 minutes or less.
Unlock the finance strategy your career has earned
Book a confidential strategy call with an Exec Finance specialist. We'll review your position, identify opportunities, and build a plan, at no cost and no obligation.
Book a confidential strategy callThe information on this page is general in nature and has been prepared without considering your personal objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness having regard to your own objectives, financial situation, and needs and seek independent professional advice. Exec Finance Pty Ltd is a MedX Finance Operations PTY Ltd brand.