$2.7M High LVR Equity Release Secured for Medical Professional Despite Recent Transition to Self-Employment

The Brokerage recently arranged a $2.7M refinance across an owner-occupied and investment property in Brisbane, releasing equity for share market investments.

Our client is a medical professional who had recently transitioned from salaried employment to operating as a sole trader mid-financial year. He wanted to secure a high LVR equity release, despite his recent transition to self-employment, a scenario many lenders would decline on standard policy.

Key highlights of the transaction include:

• Income Assessment: The lender accepted future income projections prepared by the client’s accountant, supported by BAS, in place of a full trading history.
• Medico Policy: Competitive pricing was secured with a medico LMI waiver, aligned with major bank medical professional policy.
• Purpose Flexibility: The purpose of funds for future investments was accepted with no evidence required.
• High LVR Outcome: A high LVR equity release was achieved despite the client’s recent change in employment structure.

By engaging lenders we hold strong relationships with and presenting the income position correctly, The Brokerage delivered a competitive outcome that supported the client’s investment strategy without waiting years to establish a self-employed track record.