There is no single definition of a high value home loan. What changes is how lenders treat the application at each threshold. As the loan amount increases, the number of lenders willing to write the deal decreases, the assessment process becomes more manual, and the pricing becomes more negotiable. Lendology understands where each threshold sits across the full panel.
On a $500,000 home loan, the difference between a good structure and a poor one might cost a few thousand dollars over the life of the loan. On a $3 million loan, that same structural difference can cost tens of thousands. Getting the structure right is one of the most important things a broker does on a high value deal.
Offset strategies - At higher loan amounts, offset accounts become a more powerful tool. The interest saved by parking funds in an offset against a $3 million loan is significantly more than on a smaller loan. Lendology ensures the loan is structured to maximise offset benefit, including whether to use a single large offset or split across multiple accounts.
Split loans - Splitting a large loan into fixed and variable portions allows you to lock in certainty on part of the debt while maintaining flexibility on the rest. The optimal split depends on your cash flow, plans for additional repayments and your view on rate movements. On a $2 million+ loan, this decision has material financial impact.
Investment versus owner occupied - If part of your portfolio includes investment property secured against your home, the loan structure affects tax deductibility. Mixing deductible and non-deductible debt in the same loan account creates problems that are expensive to unwind. Lendology structures loans to maintain clean separation from the start.
Tax efficiency - Lendology does not provide tax advice. But we structure loans with tax efficiency in mind, working with your accountant to ensure the loan setup supports your broader financial strategy. This is particularly important for borrowers with company or trust structures where the entity holding the debt matters.
Published rate cards are a starting point. On high value loans, most lenders have discretionary pricing authority that goes well beyond what is advertised. Lendology negotiates with lender pricing teams to secure rates that reflect the true value of the deal.
Many high value borrowers are directed towards private banking divisions. Private banking offers personalised service, a dedicated relationship manager and a streamlined process. But it does not always offer the best pricing or the most flexible policy.
A private banker represents one institution. A boutique brokerage like Lendology represents the full panel. This matters because on high value deals, the difference between lenders can be significant in terms of pricing, LVR flexibility, income assessment approach and turnaround time.
Lendology provides the same level of personal service that private banking clients expect, with the added advantage of panel-wide comparison and independent advice. Your information is treated with complete confidentiality. Applications are handled personally, not passed through a call centre or junior processing team.
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