Prestige home loans in South West Sydney

Buying a prestige or high value home in South West Sydney? We'll structure a large loan with the care it deserves.

A premium home deserves a carefully structured loan.

High value homes come with their own lending rules. Larger deposits, more detailed valuations and closer scrutiny of your income and assets are all part of the process.


At Infinity Mortgage Brokers, we help buyers across Bankstown and South West Sydney secure finance for prestige property, from riverfront homes in Illawong and Lugarno to large family homes across the region.

How is lending different for high value homes?

As the loan gets bigger, lenders get more careful. Here's what to expect:

  • A deposit of 20% or more is usually needed
  • Full valuations, which can be conservative for unique homes
  • More detailed checks on income and assets
  • Lender limits on maximum loan size
  • Room to negotiate on rate for larger loans
  • More focus on how the loan is structured

We'll match your purchase to lenders that are comfortable with the property and the loan size.

What if my income is complex?

That's common at this end of the market. Income from companies, trusts and investments takes more explaining than a salary.


Lenders that are active in high value lending are used to it. The key is presenting your position clearly, which is where good preparation, and your accountant, come in.

How Infinity Mortgage Brokers can help

We bring a careful, personal approach to large loans. Here's what South West Sydney buyers get with us:

  • Access to 40+ lenders, including those suited to large loans
  • Upfront valuations where they help
  • An application that presents complex income clearly
  • Coordination with your accountant and solicitor
  • Discreet, one-on-one service from start to finish

We take the time to get the structure right.

Found a home worth stretching for?

Let's chat! Schedule a free introductory call with us now.

  • How is financing a high value home different?

    Financing a high value home is different because large loans receive closer scrutiny. Lenders lower their maximum loan to value ratios as the loan size grows.


    Valuations


    Lenders order full valuations instead of desktop ones, and may ask for a second opinion on unusual homes.


    Income and assets


    They look harder at both, because fewer buyers exist at the top of the market if the property has to be sold.


    Structure


    The best lender depends on the property, its location and how you hold your income and assets.


    Pricing


    Large loans can attract sharper rates, and there is often room to negotiate.


    Shaping the application


    Infinity Mortgage Brokers shapes the application around that for buyers of premium homes from Alfords Point to Bangor. See our guide to home loans for luxury properties.

  • How much deposit is needed for a prestige property?

    A prestige property generally needs a deposit of 20% or more. Lenders reduce the share of the value they will lend as the loan grows.


    Why LMI is limited


    Mortgage insurers cap the size of loan they will cover, so low deposit options narrow on large loans.


    What sets the exact figure


    The loan amount, the property and the lender set the exact figure.


    Using other equity


    Equity in an existing home or investment property can form part of the deposit.


    Costs on top


    Transfer duty rises with the price, so allow for it separately from the deposit.


    Confirming it early


    Infinity Mortgage Brokers confirms the requirement at the outset, whether you are buying in Illawong, Bangor or Barden Ridge. Our guide to the most expensive suburbs shows where the top end of the South West Sydney market sits.

  • Are premium homes in South West Sydney valued differently?

    Yes, premium homes in South West Sydney are often valued more conservatively. Distinctive homes are harder to value because few comparable properties have sold recently.


    Where it applies locally


    Waterfront homes on the Georges River in Illawong, Lugarno and Picnic Point are typical examples.


    Why valuers are cautious


    With thin sales evidence, a valuer tends to choose the lower end of the range.


    The effect on your loan


    A low valuation reduces what you can borrow against the property, so you may need a larger deposit.


    Managing the risk


    Infinity Mortgage Brokers selects lenders whose valuation approach suits the property and orders valuations up front where it helps. See our guide to home loans for luxury properties.

  • Will lenders accept complex income for a high value home loan?

    Yes, lenders will usually accept complex income for a high value home loan. Buyers at this level often draw income from companies, trusts and investments instead of a single salary.


    What lenders ask for


    Lenders ask for more detailed evidence, including company and trust financials and distribution statements.


    Which lenders suit


    Those active in high value lending are comfortable with layered structures.


    Assets count too


    Some lenders take your wider asset position into account, not only your taxable income.


    Working with your accountant


    Clear, current financials make the assessment faster.


    Presenting your position


    Infinity Mortgage Brokers prepares the application so a credit assessor can follow it easily, for clients from Bankstown to Bangor. Our guide to home loans for high income earners has more.