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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.

NEXT MOVE

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

03.

RESTRUCTURE

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

04.

OVERDUE

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

How it's structured

Recent scenarios, anonymised but real: what the client came with, what made it complex, and how it was structured. This is what advisory-led lending looks like in practice.

Construction Site Workers

LOAN TYPE · STATE

$ SIZE

Complexity: [TBC: what made it hard]

Outcome: [TBC: how it was structured and resolved]

Dinner in Restaurant

LOAN TYPE · STATE

$ SIZE

Complexity: [TBC: what made it hard]

Outcome: [TBC: how it was structured and resolved]

Man in Minimal Space

SMSF · QLD

SMSF · QLD

Business owners purchasing their commercial premises through an SMSF. Lease expired, vendor deadline imminent. Previous lender unable to move in time.​

Approved and settled on deadline

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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02 9299 1144​

advise@aaamortgages.com.au

Level 1, 50 York St
Sydney NSW 2000

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Australian Credit Licence Representative 499 684
ABN: 75 633 787 998

MFAA Full Member

Terms & Conditions

© 2026 AAA Financial Group

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