Owner Occupied Home Loans
Bespoke home loans for high-net-worth individuals, navigating complex income streams and private wealth structures.
Securing a primary residence in the current Australian prestige market requires more than a standard mortgage application; it demands a sophisticated understanding of total wealth architecture. At Barrett Capital Advisory, we recognise that a home loan is not merely a debt instrument—it is a strategic component of a broader capital ecosystem.
Navigating Complex Income & Asset Structures
The standard banking model is built for PAYG employees. Our clients operate within intricate financial frameworks that traditional retail credit models struggle to interpret. We specialise in articulating these complexities to tier-one credit committees:
Trust & Company Distributions
We navigate the nuances of discretionary and family trusts, ensuring that distributions are recognised as stable, recurring income.
Equity-Based Compensation
For executives, we work with private banks that accept Restricted Stock Units (RSUs) and performance rights as eligible income, even when subject to vesting schedules.
Self-Employed Add-Back Strategies
We analyse company financials to identify non-cash expenses and one-off capital outlays, reflecting your true debt-servicing capacity.
Private Banking Access & Quiet Negotiations
Our direct Australian Credit Licence (ACL) and institutional background grant us access to private banking channels unavailable to the general brokerage market. We don’t just apply for loans; we negotiate bespoke credit policies, which often include:
LMI Waivers for Professionals
Significant savings for high-income earners in law, medicine, and accounting.
High-Value Security Exemptions
Bespoke LVR thresholds for certain postcodes in Sydney, Melbourne, and Perth.
Relationship Pricing
Discounted rates based on your total net worth and assets under management (AUM) potential, rather than just the loan size.
Strategic Capital Goals
Every loan we secure is designed to align with your 5-to-10-year capital trajectory. This includes the implementation of Offset Account Optimisation and Debt Recycling strategies, ensuring your primary residence supports, rather than hinders, your future investment capability.
Enquire about Owner Occupied Home Loans
Tell us about your situation and we’ll get back to you within 24 hours.
Our Other Services
First Home Buyers
A safe and trustworthy introduction to the property market, with particular focus on our clients' children.
Investment Home Loans
Tax-effective frameworks and interest-only options that maximise cash flow and capital growth.
Commercial Loans
Technical architecture for commercial property finance across industrial, retail, hospitality, healthcare and office assets.
Business Finance & Working Capital
Business loans and working capital solutions that support operational scaling without compromising equity.
Asset & Equipment Finance
Tax-effective chattel mortgages and leasing structures for high-value acquisitions.
SMSF Lending
Structural expertise to leverage your superannuation for residential or commercial acquisition.
Private Credit Solutions
Access to non-bank institutional capital and private debt funds for time-sensitive acquisitions.
Private Bank & Advisory Integration
The specialist lending arm for your broader financial ecosystem.