What is considered "high net worth" for lending purposes in Australia?

There is no single definition. In the Australian lending and financial services context, high net worth typically refers to individuals with investable assets exceeding $1 million (excluding the primary residence), or those meeting the Corporations Act threshold of $2.5 million in net assets or $250,000+ in annual income. Private banking divisions each set their own thresholds. Regardless of where you sit on the spectrum, if your lending needs are complex, we can help.

Will I get a better rate through a broker than going directly to a private bank?

In our experience, yes, in most cases. When a private bank knows they are competing with other institutions for your business, the commercial incentive to offer their best terms increases. We create that competitive dynamic on your behalf, which is difficult to replicate when you approach a single bank directly.

Do you handle lending across multiple entities, including trusts, companies, and SMSFs?

Absolutely. Multi-entity lending is core to what we do. We work across personal, trust, company, and SMSF lending, ensuring each piece is structured correctly and coordinated with your accounting, legal, and financial planning advisers.

Is your service confidential?

Completely. We understand that privacy is paramount for high net worth individuals. All client information is handled with the highest level of confidentiality, and we operate under strict Australian privacy legislation and professional obligations.

Private Lending Solutions for High Net Worth Australians

When your net wealth extends into the millions, the lending conversation changes. Standard mortgage products, retail branch assessments, and off-the-shelf loan structures are no longer fit for purpose. You need lending that is structured around asset portfolios, entity networks, intergenerational considerations, and financial goals that operate on a different scale.

Exec Finance provides independent, specialist broker services for high net worth individuals across Australia. We operate across the full private banking landscape, giving you access to every major institution's premium lending desk through a single, trusted relationship.

What Makes High Net Worth Lending Different

Asset-Based Assessment

For high net worth borrowers, income is often only part of the picture. Significant investment portfolios, share holdings, business equity, and property holdings all contribute to your financial strength. We work with private banking lenders who assess your complete balance sheet, not just your income, when determining borrowing capacity and lending terms.

Bespoke Lending Structures

At this level, loan products are often negotiated rather than selected from a menu. Interest rates, loan-to-value ratios, offset arrangements, and repayment structures can all be customised. Our role is to create competitive tension between private banking desks so you receive terms that reflect your value as a client.

Multi-Entity Complexity

High net worth Australians typically hold assets across personal names, family trusts, discretionary trusts, companies, and self-managed super funds. Lending needs to work across this structure, not despite it. We ensure lending is placed in the right entity, with the right security arrangements, aligned with your accountant's and solicitor's broader strategy.

Intergenerational Considerations

For many high net worth families, lending decisions today have implications for the next generation. Whether you are considering guarantor arrangements, family lending structures, or estate planning implications, we work alongside your advisers to ensure lending supports your long-term family wealth objectives.

High Net Worth Lending Services

Premium Residential Lending

Acquiring prestige residential property, whether a primary residence, holiday home, or investment, at the premium end of the market requires lenders comfortable with high loan values, manual valuations, and non-standard property types. We connect you with private banking desks experienced in premium residential transactions.

Portfolio Lending & Optimisation

When you hold multiple properties across different entities, we take a portfolio-level view. This means reviewing your entire lending position to identify opportunities for better rates through consolidated relationships, more efficient use of equity, and structures that reduce risk while preserving flexibility.

Commercial & Development Lending

High net worth investors frequently hold or acquire commercial property, pursue development opportunities, or fund business ventures. We structure commercial lending as part of your overall wealth strategy, ensuring each piece of the puzzle supports the whole.

SMSF & Super-Related Lending

For self-managed super funds holding or acquiring property, we provide specialist SMSF lending that navigates the regulatory requirements while optimising outcomes within the fund.

Luxury Asset Finance

From prestige vehicles to marine vessels and aircraft, we provide financing for high-value personal assets where preserving liquidity is the strategic priority.

Why an Independent Broker for High Net Worth Lending

You could go directly to a private bank. Many of our clients have existing private banking relationships. The reason they work with Exec Finance is simple: independence delivers better outcomes.

We access every major private banking desk in Australia, including CommBank Private, NAB Private Wealth, Westpac Private, Macquarie Private Bank, and specialist lenders, creating genuine competition for your business

We are not incentivised to place your lending with any particular institution

We manage the process end to end so your time is not spent navigating multiple bank relationships

We provide a single point of accountability across all your lending, regardless of which lenders are involved

Frequently Asked Questions

Executives

Lending for C-suite and senior corporate leaders

Complex Structures

For lending across multiple entities

Residential Finance

Premium home loan solutions

SMSF & Wealth Finance

Property lending within your super fund

Ready to Get Started?

Book a private strategy session with our HNW lending specialists.

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The 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.