Big 4. Mid-tier. Your firm, your terms. Lend & Loan specialises in home loans for partners at Australia's leading accounting firms — with access to lender Partner Package policies that waive LMI and correctly assess the way partner income actually works.
📅 Book Free ConsultationSelect lenders offer a Partner Package to partners at the following approved accounting firms. The broker must confirm partner status. The loan may be in the partner's own name, a related company or trust (with direct ownership or directorship by the partner), or a spouse's name — provided the partner is involved at least as a guarantor.
You advise clients on complex financial structures every day — but when it comes to your own mortgage, most banks don't know how to assess you. Partner drawings, profit unit allocations, trust distributions, and retained equity don't fit a standard income calculator. The result? Under-assessment, unnecessary LMI charges, or outright decline.
John Pierre Saliba has spent 10+ years presenting complex partner income to lenders. We know the Partner Package policies inside out, how to correctly document partnership status, and how to structure your application to reflect your true borrowing capacity.
Accounting partner income structures vary significantly between firms — especially between Big 4 and mid-tier. We correctly present all structures:
We verify your partnership status at an approved firm and confirm which lender Partner Packages you qualify for across our 50+ panel.
We structure your full income picture — drawings, distributions, trust income — to calculate your true borrowing capacity under partner-specific lending rules.
We compare rates, LVR limits, and policy conditions across all eligible lenders to identify your optimal structure.
We manage all paperwork, lender liaison, approval, and settlement — efficiently and discreetly.
Yes — partners at Deloitte, EY, KPMG, PwC, and a range of approved mid-tier firms qualify for LMI waivers under specific lender Partner Package policies. Eligibility requires confirmation of partner status at one of the approved firms. The loan can be in the partner's own name, a related trust or company, or in a spouse's name — provided the partner is at least a guarantor.
Possibly. Partners at non-listed accounting firms may still qualify through the general Accounting Professional Package — available to CA, CPA, CFA, and IPA members employed in the industry. We assess both pathways and recommend the suitable option for your situation.
Partner income — including drawings, profit share, unit trust distributions, and firm equity — is assessed under specific self-employed income verification rules that differ from standard PAYG employment. We have deep experience correctly presenting Big 4 and mid-tier partner financials to lenders in a way that maximises your assessed borrowing capacity.
Yes. Partner Package policies allow applications in the partner's own name, a related company or trust entity (with direct ownership or directorship by the qualifying partner), or in the spouse's or a related entity's name — provided the partner is involved in the transaction at least as a guarantor.
Book a free consultation with John Pierre Saliba. We'll confirm your Partner Package eligibility, structure your income correctly, and compare 50+ lenders to find your competitive rate at no cost to you, ever.
📅 Book Free Consultation