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Financial Advisor

Financial Advisor Home Loan Australia: Lending for Financial Professionals

Q: My practice income includes trail commissions. How is that assessed?

Trail commissions with 2+ years history typically accepted at 100%.

Q: I'm a salaried advisor at a major firm. Will banks lend?

Yes — PAYG salaried treated as standard professional income. Bonuses count with history.

Q: How much can I borrow as a $180K financial advisor?

On $180K total + 20% deposit: typically $1.2M–$1.5M.

Q: My practice has a business loan on equipment/software. Does it hurt borrowing?

Yes — business loans reduce serviceability. Some lenders differentiate from personal debt.

Q: I run my AFSL with one other partner. How is partnership income assessed?

Partnership income split per agreement. Your share is your assessable income.

Mortgagefy Broker Team · Published 2026-04-29 · Last reviewed 2026-04-29

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

Free financial advisor chat

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

Compare lender options

We identify lenders that maximise financial advisor borrowing.

Application package

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

Settle your home

Approval through to settlement with ongoing support.

Frequently asked questions

My practice income includes trail commissions. How is that assessed?

Trail commissions with 2+ years' history are generally accepted at 100%. Lenders look at total practice income from BAS and tax returns.

I'm a salaried advisor at a major firm. Will banks lend?

Yes — PAYG salaried advisors are treated as standard professional income. Bonuses with 12+ months' history typically count. We choose lenders that maximise bonus inclusion.

How much can I borrow as a $180K financial advisor?

For a financial advisor on $180K total income with 20% deposit, $1.2M–$1.5M borrowing is commonly achievable.

My practice has a business loan on equipment/software. Does it hurt borrowing?

Yes — business loans reduce serviceability. Some lenders treat business-purpose loans differently from personal debt. We choose those lenders.

I run my AFSL with one other partner. How is partnership income assessed?

Partnership income is split per partnership agreement and your share is treated as your assessable income. Documentation includes partnership tax returns.

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

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