Prestige Home Loans in Perth - Finance for Exclusive Property

Buying in Cottesloe, Nedlands, Applecross or Claremont, where median house prices sit well above $2 million, is a different exercise from a standard home loan. At this level, applications are assessed by a credit manager rather than an algorithm, and the lender you choose shapes the outcome.

Launch Finance arranges prestige home loans for Perth executives, business owners and professionals, with the discretion and attention a purchase of this size deserves.

How prestige lending differs

• Larger deposits. Typically 20% to 30% or more above $2 million
• Manual assessment of your income, assets and overall financial position
• A narrower lender panel. Not every lender actively writes loans at this level
• Complex income. Business, trust, bonus and investment income presented properly

How much deposit do I need for a home above $2 million?

Most lenders want at least 20% to 30%, and the requirement tends to rise with the purchase price. Equity in your existing home or investment properties can form part of that deposit. Government schemes and first home buyer duty concessions don't apply at this price point, so transfer duty and costs need to be budgeted in full.

Can I borrow with complex or irregular income?

Yes. Many prestige buyers are business owners, partners or executives whose income includes bonuses, dividends or trust distributions. Lenders differ widely in how they treat each of these. We present your full financial position, including your assets, to the lenders best placed to assess it, and structure the loan around your wider property and investment plans.

What happens next

A confidential discussion at a time that suits you. We review your position, approach the lenders most active at your price point, and manage the process through to settlement.

Call 08 9367 4222 or request a callback at a time that works for you.