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Financial Advisor

Financial Advisor Home Loan Australia: Lending for Financial Professionals

Mortgagefy Broker Team · Published · Last reviewed

You advise clients on their finances — but getting your own home loan can be harder. Practice income, ABN structure, ongoing trail commissions — Mortgagefy knows financial advisor lending.

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Who this guide is for

Australian financial advisors — independent practice owners, contracted advisors, salaried advisors — wanting home loans that maximise borrowing on advisory income.

  • Independent financial advisors with their own AFSL or under licensee
  • Contracted financial planners on practice agreements
  • Salaried financial advisors at major firms (PAYG)
  • South Asian financial advisors needing cultural support

The real challenge

Financial advisors face mixed lending challenges. Independent practice owners face all standard self-employed hurdles. Trail commissions vary year to year. Some advisors have a mix of practice income and salaried work.

Specialist lenders treat financial advisor income properly with 2+ years' BAS, including trail commissions.

How Mortgagefy helps

Mortgagefy works with lenders comfortable with financial advisor income. We document trail commissions consistency, identify lenders that count practice income at workable percentages, and present applications properly.

Free advice.

How it works — 4 simple steps

1

Free financial advisor chat

20-minute call about your structure, income mix and target home.

2

Compare lender options

We identify lenders that maximise financial advisor borrowing.

3

Application package

We compile your tax returns, BAS, trail commission statements and supporting documents.

4

Settle your home

Approval through to settlement with ongoing support.

Frequently asked questions

We use offer letters and vesting schedules to value RSUs conservatively. We present current vesting value + projected future vesting as a 3-5 year income average. This gives lenders confidence in your income stability while accounting for market volatility.
Both. We work with W2 employees, 1099 contractors, and consultants. For contractors, we use 2 years of tax returns plus business financials. We have lenders who specialise in contractor income—they understand the variability.
Unvested options have zero value for refinancing. We count only vested equity. If you have a 4-year vest, we use 25% of the grant value (what's vested) plus a conservative projection of future vesting.
If you've been in your new role 6+ months, most lenders will refinance. We'll use your offer letter plus 6 months of pay stubs. If less than 6 months, it's harder but possible with specialist lenders.
Yes, if you have 2+ years of bonus history. We average the past 2 years and present it conservatively. Some bonuses get counted at 50% to be conservative with variable compensation.
ESPP is counted as deferred compensation. If your company matches or you have a discount, we value it as part of total compensation package.

Get a financial advisor home loan assessment

Free 20-minute call about your real borrowing capacity as a financial professional.

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