When your income is complex and your time is scarce

Advice for professionals and high-net-worth borrowers juggling entities, portfolios and careers.

Australian borrowers have brought complex lending to AAA Mortgages since 1988. The people on this page are professionals and executives whose income runs through companies, trusts or a practice, who hold two or three properties already, and who want the next move structured properly without becoming a project manager for their own loan. What typically brings people to us is not a purchase. It is the moment they realise their lending has become more complicated than their lender.

What usually brings people here

01.

NEW CHAPTER

You have taken a new role, sold a business or had a liquidity event, and the lending should catch up with the life.

02.

SAFE HANDS

You are seeking trusted advisors for your property portfolio.

03.

NEXT MOVE

You are upgrading the family home while holding the investments, and the sequencing matters.

04.

RESTRUCTURE

Your accountant restructured your affairs and the loans no longer match the entities.

05.

OVERDUE

You have been meaning to sort the portfolio out for two years and it keeps not happening.

One senior conversation, then it's handled

You deal with Melissa and the team she has selected around her, from first conversation to settlement and beyond. We build the whole picture across your income, entities and properties, advise on the structure before any application exists, and reach the lenders your situation actually needs, including private banking desks. The full detail of how we work with complex income and portfolios sits on our residential and high-net-worth lending page.

Start with one conversation

Tell us the income, the entities and what you are trying to do. You will hear back within two hours with a personal response, not an auto-reply, and from there it is handled the way it should be.

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