You understand numbers better than anyone. But navigating the mortgage market as a Big 4 professional — with salary packaging, performance bonuses, partner track income, and international secondments — requires a broker who understands how to present your full financial picture to lenders.
📅 Book Free Consultation 📞 02 8046 3933Big 4 employees have income structures that most bank lenders struggle with. Salary packaging, sign-on bonuses, annual performance bonuses, overtime during busy season, partner distributions, profit-sharing arrangements, and international relocation allowances — each of these needs to be presented correctly to maximise your borrowing power.
The difference between a broker who understands Big 4 income and one who does not can be $150,000 or more in borrowing capacity. We have helped dozens of PwC, KPMG, EY, and Deloitte professionals across Sydney secure loans that their own banks initially said were not possible.
We include your Big 4 bonus at up to 80% of the 2-year average — adding $50K-$150K+ to your borrowing power.
CA and CPA qualified professionals may access LMI waivers at up to 90% LVR — saving $10K-$35K upfront.
We know how to present packaged income, novated leases, and salary sacrifice correctly to avoid lender confusion.
Returning from a Big 4 overseas secondment? We handle the complexity of foreign income history and Australian re-entry.
Work at PwC, KPMG, EY, or Deloitte?
Find out your exact borrowing power in 15 minutes — including bonus income and LMI waiver eligibility.
📊 Check My Credit Score →Your employment contract may show a base salary of $120,000 — but with super, salary packaging, and allowances, your total remuneration package could be $145,000 or more. We ensure lenders assess your full package, not just the base figure.
Big 4 bonuses are typically paid annually and vary by performance rating and firm profitability. Most lenders will accept 80% of the average bonus over the last two years. For a senior manager with a $40,000 average bonus, that adds approximately $32,000 to assessable income — increasing borrowing power by roughly $160,000.
If you have recently been promoted — associate to senior, senior to manager, manager to senior manager — your new salary may not yet be reflected in your tax return. We present your employment contract showing the current salary, which most lenders will accept over the outdated tax return figure.
Many Big 4 professionals work significant overtime during peak periods — audit season, tax time, deal closings. If your payslips show consistent overtime, we can include this as assessable income. The key is demonstrating a regular pattern over at least 6 months.
Returning to Australia after a Big 4 international secondment? Your most recent Australian tax return may be two or three years old, with foreign income in between. We know which lenders accept international income history and how to bridge the documentation gap.
Lenders Mortgage Insurance (LMI) is the premium you pay when borrowing more than 80% of the property value. For a $900,000 loan at 90% LVR, LMI can cost $18,000 to $28,000. But many lenders waive LMI entirely for qualified accounting professionals.
💡 Who qualifies? Chartered Accountants (CA), Certified Practising Accountants (CPA), and in some cases, professionals with a Bachelor of Commerce or Business working in a Big 4 firm. Eligibility varies by lender, we check across our full panel of 50+ lenders.
On a $1.2M Surry Hills apartment with a 10% deposit, skipping LMI saves you approximately $25,000 upfront. That money stays in your offset account, reducing interest from day one.
Are you eligible for an LMI waiver?
CA, CPA, or Big 4 professional? We'll confirm your LMI waiver eligibility across 50+ lenders in your first free session.
Check My LMI Eligibility — Free →From our Barangaroo office, just minutes from the PwC, KPMG, EY, and Deloitte towers, we see clear patterns in where Big 4 professionals buy:
Barangaroo, Pyrmont, Surry Hills — walk to work, premium apartments, strong rental demand.
Newtown, Marrickville, Balmain — lifestyle suburbs, heritage terraces, 15-20 min to CBD.
Emma, a senior manager at PwC earning $185,000 base plus a $35,000 average bonus, wanted a two-bedroom apartment in Surry Hills. Her bank assessed her income at $185,000 and offered $850,000. We included her bonus at 80% ($28,000), increasing her assessable income to $213,000. Result: borrowing capacity of $1,020,000. She purchased a $980,000 apartment with a 10% deposit and zero LMI thanks to her CA qualification.
James had spent 2 years at KPMG's London office and was returning to Sydney. His most recent Australian tax return was from 2 years prior, showing a lower salary. Two banks declined his application citing insufficient Australian income history. We placed him with a lender who accepted his UK income history plus his Australian employment contract showing his return salary of $165,000. Approved in 8 days.
Sarah (EY audit manager) and Tom (EY advisory consultant) had a combined income of $310,000 plus $60,000 in combined bonuses. Both were CA qualified. We secured them a $1.45M loan at 88% LVR with zero LMI — saving them $32,000 — and an interest rate 0.4% below what their existing bank had offered. They purchased a house in Marrickville.
Ready to buy your first home or next investment?
We're in Barangaroo — walking distance from the Big 4 towers. Book a free 20-minute consultation before or after work.
📅 Book Free Consultation 📞 02 8046 3933We map your full income — base, bonus, packaging, overtime, allowances — and calculate your true borrowing power across 50+ lenders.
We confirm whether your CA, CPA, or professional qualification entitles you to an LMI waiver — potentially saving $10K-$35K.
We match you with the lender offering the competitive rate, features, and assessment of your income structure. Pre-approval typically within 48-7soon.
We manage the entire process — application, valuation, approval, settlement. And we proactively monitor your rate after settlement to ensure it stays competitive.
Not automatically, but Big 4 professionals often qualify for LMI waivers at up to 90% LVR with select lenders due to their CA or CPA qualifications. Combined with strong income and job security, Big 4 employees typically access the sharpest rates available. We compare 50+ lenders to find the suitable option.
Yes — most lenders will include your bonus at 80% of the average over the last 2 years. For Big 4 professionals with consistent bonus histories, this can add $50,000 to $150,000 or more to borrowing capacity. The key is providing two years of payslips or group certificates showing the bonus amounts.
Significantly. Lenders view Big 4 career trajectory very favourably. We present your career path and expected income progression to lenders in a way that maximises your borrowing power today — not based on where you were two years ago.
If you have been in your role for less than 6 months, some lenders may require you to pass probation first. However, if you moved from another Big 4 firm or from a similar professional services role, many lenders will treat this as continuous employment. We know which lenders are most flexible.
Yes — Big 4 contract roles are typically viewed favourably by lenders, especially if you have a 12-month or longer contract. For shorter contracts, we can access low-doc or alt-doc lending options that assess your income via BAS or bank statements rather than tax returns.
No, our service is completely free. We are paid by the lender after your loan settles. Our advice, income assessment, lender comparison, and application management cost you nothing.
John Pierre Saliba
Mortgage Broker & Director — Lend & Loan
MFAA accredited mortgage broker with 10+ years' experience and 77 five-star Google reviews. Bachelor of Business & Commerce, Diploma in Mortgage Broking & Finance, Advanced Diploma in Financial Planning. Based in Barangaroo — walking distance from the Big 4 towers. Australian Credit Licence 511092.
Free 20-minute consultation. We'll map your full income, confirm LMI waiver eligibility, and show you exactly what you can borrow. No obligation.
📅 Book Free Consultation 📞 02 8046 3933