Banked as one relationship, not one loan at a time.
Updated
For clients whose income, assets or lending sit beyond what a branch is set up to read. Private-banking divisions of major banks, and some specialist lenders, assess the whole relationship rather than facility by facility. We prepare the position, take it to the pathways that fit, and say plainly when one does not.
Eligibility is set by each bank and changes over time. We do not name programmes or promise eligibility. Enquiries above $10 million go to Ian Webbe, Mortgage Development Manager; the credit assistance is provided by Dayan Kasturiratna.
At a glance
- What it is
- A way of being assessed: the private-banking divisions of major banks, and some specialist lenders, read income, assets and entities as one relationship
- Who it suits
- Clients with income from several sources, assets held across entities, or lending at a scale a branch is not set up to read
- What we do
- Prepare the position in writing, take it to the pathways that fit, and show the alternatives where a position does not qualify
- What we do not do
- Name programmes, quote thresholds, promise eligibility, or quote a rate on this site; every figure we show you is yours, in writing
- Credit assistance
- Dayan Kasturiratna, Australian Credit Representative 394747, under Australian Finance Group Ltd, ACL 389087
Three signs a position belongs with a private bank.
None of these is a threshold. Each bank sets its own criteria and changes them over time, so we look at the position before we say which pathways are worth approaching.
Income comes from several sources
Salary alongside dividends, trust distributions, rent, bonus or commission, or income earned overseas. A branch reads each one against a policy line. A private bank reads the whole.
Assets are held across entities
Personal names, family trusts, companies or a self-managed super fund, with property, a business and investments among them. The structure between the entities is where the assessment, and the value, sits.
The lending is at scale
A substantial home loan, a property portfolio, commercial premises or a business, or several of these at once. Above $10 million the Portfolio Review is the starting point; below it, the position still decides.
Not sure which applies? Call Ian Webbe on 0415 989 012. A first conversation costs nothing, involves no documents and no credit check, and ends with a plain answer about whether a private-bank pathway is worth pursuing.
What a private-bank pathway changes, and what it does not.
Assessed at a branch
- Each facility assessed on its own, against the policy line for that product
- Trust, company, dividend and foreign income discounted or ignored where the policy has no line for it
- Pricing set facility by facility, with scale counting for little
- A different person for each application, and the position explained again each time
- Structure that follows the products available rather than the entities that hold the assets
Assessed as one relationship
- Income, assets and entities read together, by people whose job is complex positions
- Income from several sources assessed the way it is actually earned, where the bank's criteria allow it
- Pricing considered on the whole position, with fees and costs shown in writing before anything is lodged
- One relationship at the bank, and one contact at Opulent Finance who knows the file
- Facilities aligned to purpose and to the entity that holds them, with your accountant and solicitor at the table
The lending private clients ask us for.
The same judgement at every size: structure first, the lender chosen for it, and the position in writing before anything is lodged.
A substantial home loan
Buying, building or refinancing a prestige home, with income from several sources read properly and the facility structured so it does not tie up the rest of the position.
A property portfolio
Residential, commercial or mixed. Above $10 million, the Portfolio Review: a facility map, serviceability lender by lender, structural options and an indicative pricing analysis, before any lender is approached.
Commercial property and business
Premises, investment property, working capital and acquisition, assessed on interest cover and the lease or the business rather than household serviceability. See business and commercial.
Lending to trusts, companies and super funds
Facilities held by the entity that owns the asset, with the deed, the structure and the income read the way each lender reads them. SMSF lending follows its own rules and has its own lenders.
Releasing equity for the next investment, refinancing a position that has grown across several lenders, and lending against overseas income or assets sit inside these four. Tell us what you are doing and we will tell you which pathway it belongs to.
Four steps, nothing lodged until you agree.
Tell us about the position
A short conversation or assessment: what you hold, how it is held, where the income comes from and what you want the lending to do. No documents, no credit check.
We prepare the position
With your agreement, we gather the facility, entity and income detail, using your existing statements and records where we can, and write the position up the way a private bank will read it.
We take it to the pathways that fit
Across our lender and aggregator network, including private-bank channels where the position qualifies. Where it does not, we say so and show the alternatives.
You decide, then we lodge
Options, costs and trade-offs in writing, discussed with you. If you proceed, we prepare the application and manage it through to settlement. If you do not, nothing has been lodged.
What we will ask for at step two
- Current loan statements for each facility
- How the assets are held: personal, trust, company or SMSF
- Recent financial statements and tax returns for trading entities and trusts
- Evidence of income from each source, including any earned overseas
- Any current valuations you already hold
What we will not do
- Name a bank's programme or quote its criteria, because they change and are the bank's to state
- Quote a rate as if it were an approval; pricing is indicative until a lender assesses the application
- Promise a timeframe; that depends on the lender and on how complete the position is
- Advise on tax, structure or investment; we work alongside your accountant, solicitor and adviser rather than around them
Two people. One position, looked at properly.
Ian Webbe is the first point of contact for private clients and for every enquiry above $10 million. The credit assistance is provided by Dayan Kasturiratna, who leads the practice.
Ian Webbe
Mortgage Development Manager. First point of contact for private clients and for enquiries above $10 million.
Ian takes the position from the first conversation through to settlement: understanding what you hold and what you want the lending to do, gathering what the banks will ask for, and staying with you while the options are assessed and the decisions are made. One person, who knows the file, from start to finish.
ian@opulentfinance.com.au
Dayan Kasturiratna
FIPA FFA CTA
Founder and Director. Chartered tax adviser and finance specialist. Australian Credit Representative 394747, under Australian Finance Group Ltd, ACL 389087.
Opulent Finance was established in 2010 and is built around structuring: how debt is held across entities, how income from different sources is treated, and which lender will see a complex position the way it deserves to be seen. Private clients are where that work matters most.
dayan@opulentfinance.com.au
Credit assistance is provided by Dayan Kasturiratna, Australian Credit Representative 394747, authorised under Australian Finance Group Ltd, Australian Credit Licence 389087.
Before you call.
Is Opulent Finance a private bank?
No. Opulent Finance is a finance brokerage, and the credit assistance is provided by Dayan Kasturiratna as an Australian Credit Representative under Australian Finance Group's licence. We arrange lending through our lender and aggregator network, which includes private-bank channels for clients whose position meets each bank's criteria.
Which private banks do you work with?
We do not name programmes on this site, because eligibility is set by each bank and changes over time, and a name on a page reads like a promise. In the first conversation we tell you which pathways are worth approaching for your position, and why.
What are the thresholds?
Each bank sets its own, usually by income, net assets or the size of the lending, and revises them without notice. We do not publish figures for that reason. We look at the position first and tell you plainly whether a private-bank pathway looks likely, and what the alternatives are if it does not.
Do I need a portfolio above $10 million?
No. Above $10 million the Portfolio Review is the right starting point and Ian Webbe is your first contact. Below it, a substantial home loan, a commercial purchase or a business facility can still belong with a private bank; the position decides, not a single number.
How is income from several sources treated?
Differently by each lender. Some count trust distributions, dividends, bonus or commission and overseas income in full where the history supports it; some shade them; some ignore them. Reading the income the way it is actually earned, and choosing the lender for it, is most of the work.
Does a private bank cost more?
Not necessarily, and pricing is never the first question. We explain how Opulent Finance is paid before any application is lodged; in most cases we are paid commission by the lender on settlement, and our Credit Guide sets out how that works. Any fee that would apply to part of the work is told to you in writing first. Bank fees and pricing are shown in the written position before you decide.
Does a conversation affect my credit score?
No. The first conversation, the assessment and the written position involve no credit enquiry. A credit check only occurs if you decide to proceed with an application, and we tell you before it happens.
Can you advise on trusts, companies and tax?
We provide credit assistance and structure lending around the entities you have or plan to have. We do not provide tax, legal, accounting or financial planning advice. Where a structure decision needs it, we work alongside your accountant, solicitor and adviser rather than around them.
Articles and guides for private clients.
Longer reads from our archive, and the guides written new for this site.
Tell us what you hold. We will tell you where it belongs.
A conversation to begin. No documents at this stage, no credit check. Contact at the time and by the method you choose.
