20+ years of experience
Multi-award-winning
Strategic mortgage broking
Rated five stars
Specialist mortgage services for lawyers, from associates to partners
As a lawyer, your income structure reflects the realities of legal practice, which can include partnership distributions, trust arrangements, performance-based bonuses, and structures designed for tax efficiency and asset protection. But when it comes to securing a home loan, that complexity can work against you.
We've been working with legal professionals since 2004. We know which lenders understand partnership income, dividends and trust structures, and how to present your financials to maximise borrowing capacity, whether you're a senior associate working toward partnership or an equity partner with complex distributions.
Ready to discuss your situation? Book a FREE consultation, and we'll show you exactly what you can borrow and how to structure it correctly.
Access legal professional lending programs
As a lawyer, you may be eligible for specialist lending programs that allow you to borrow up to 90% of the property value without paying Lenders Mortgage Insurance (LMI), a significant cost that most buyers pay when borrowing above 80%. We connect you with lenders who offer these legal professional programs and help you understand the eligibility criteria and conditions.
Preserve capacity as your practice grows
We structure your loans to support your business ambitions, not limit them. This includes understanding cross-guarantees, practice loans, and how personal and business debt interact.
Plan around career transitions
Moving from senior associate to salaried partner to equity partner changes everything. We help you time your property purchases strategically, whether that's buying now before your income structure changes, or waiting until you have two years of partnership financials to maximise capacity.
Translate your income structure for lenders
Whether we’re looking at partnership distributions, trust income, and bonuses tied to billable hours, we take your complex financial picture and present it in a way that maximises your borrowing capacity. We know which lenders understand legal practice structures and which documentation they need to assess you fairly.
How we help lawyers secure home loans
Why choose Property Planning Australia?
We've spent over two decades specialising in complex professional income, the kind that doesn't fit the standard PAYG mould. Whether you're a lawyer, doctor, professional athlete, or business owner, we understand how to present your financials in the strongest possible light. We've built relationships with lenders who assess professional income properly and refined our approach to maximise borrowing capacity while supporting your long-term wealth goals.
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