You've earned a seat at the top table. Your home loan should reflect that. Lend & Loan works with CEOs, C-suite executives, direct reports to the CEO, and firm partners — structuring high-value finance that accounts for complex remuneration, equity, and entity structures.
📅 Book Confidential ConsultationApplications may be submitted in the Partner's / Senior Executive's own name, or in the name of a related company or trust — provided direct ownership and/or directorship by the qualifying professional is evident. Lending may also be in a spouse's name provided the executive is involved at minimum as a guarantor.
Select lenders offer the following LMI-waiver structure for eligible Senior Executives and Partners:
| Property Value (Residential Security) | Maximum LVR — No LMI |
|---|---|
| Up to $5.0 million | 90% |
| $5.0 million to $5.6 million | Max borrowings capped at $4.5 million |
| Above $5.6 million | 80% |
High-income executives face a counterintuitive problem: the complexity of their remuneration can actually work against them at standard lenders. Base salary is straightforward — but short-term incentives, LTIPs, equity grants, carried interest, and non-monetary benefits are routinely underassessed or ignored entirely by assessors unfamiliar with executive pay structures.
Select lenders have built specific policies for Partners and Senior Executives of ASX Top 100 companies — recognising that income stability, career trajectory, and wealth accumulation in these roles make them among the lowest-risk borrowers in the country.
Executive remuneration packages are among the most complex structures lenders encounter. We correctly present and document:
We confirm your role against ASX Top 100 criteria (Senior Executive) or partnership status (Partner), and identify which lenders' executive policies you qualify for.
We map your complete remuneration package — including equity, bonuses, and LTIPs — to maximise your assessed borrowing capacity across eligible lenders.
We identify whether borrowing in your own name, a company, or a trust is most advantageous — and which lenders support each structure without LMI.
We manage the full process — lender communication, approvals, and settlement — with discretion and efficiency.
Select lenders define an eligible Senior Executive as the CEO, or a direct report of the CEO, of one of the Australian Stock Exchange (ASX) Top 100 companies. Employment must be confirmed in writing by the company's HR department, via board reports, or through other ASX-available information.
For residential properties valued up to $5.0 million, eligible Senior Executives and Partners can borrow up to 90% LVR with no LMI. For properties valued between $5.0 million and $5.6 million, maximum borrowings are capped at $4.5 million. For properties above $5.6 million, an 80% LVR applies without LMI.
Yes. This policy is available for credit applications in the Senior Executive's or Partner's own name, or through related company or trust entities — provided direct ownership and/or directorship by the qualifying professional is evident. The loan may also be in a spouse's name provided the executive is involved at least as a guarantor.
Yes. Executive income structures require specialist presentation. We correctly document base salary, short-term incentives, long-term incentive plans (LTIP), equity grants, and non-monetary benefits for lenders who understand executive remuneration packages.
Book a confidential consultation with John Pierre Saliba. We'll confirm your eligibility, map your full remuneration, and compare 50+ lenders — finding the best structure for your situation at no cost to you, ever.
📅 Book Confidential Consultation