Residential finance for an executive with complex remuneration

1. 01

   The Situation

   A senior corporate executive was purchasing a high-value residential property while maintaining significant existing investments and equity.

2. 02

   The Challenge

   The client's remuneration included multiple income components, including salary, performance bonuses, share-based remuneration and investment income. A conventional assessment based primarily on base salary would not adequately reflect the client's broader financial position.

3. 03

   Beacon's Approach

   Beacon considered the client's complete income structure, existing assets, liabilities, liquidity and future borrowing requirements. The team identified lending policies capable of accommodating the client's remuneration arrangements and assessed how the proposed property finance could be structured alongside existing commitments.

4. 04

   The Outcome

   A lending strategy was developed around the client's broader financial circumstances, balancing the immediate property purchase with liquidity and future borrowing considerations.

Scenarios are anonymised and provided for illustrative purposes. Individual lending outcomes depend on circumstances and lender assessment.