解锁律师专属房贷优惠
作为高净值专业人士，律师在申请住房贷款时可享受多项专属福利，包括豁免贷款保险（LMI）、低首付要求以及更快的审批速度。在 Original Wealth，我们将帮助您全面获取这些专属优势，并高效推进整个房贷流程。我们与超过 40 家主流贷款机构合作，为您提供专为律师设计的房贷产品，助您锁定极具竞争力的利率与理想贷款条款。
考虑到律师工作繁忙，亲自处理贷款流程或许对您来说是一项负担。Original Wealth 提供全流程房贷服务，由专业经纪人为您代办所有流程，确保沟通顺畅、流程透明、体验无忧，让您安心专注于本职工作。
我们将为您提供以下服务：
- 协助您申请专为律师职业定制的房贷产品，确保获取所有相关职业专属优惠；
- 清晰整理并呈现您的复杂收入结构（如奖金、计时收入、兼职合伙收益等），让贷款机构易于理解；
- 配合您的繁忙日程，代为处理所有文书工作、协商及跟进事项，节省您的时间与精力；
- 根据您当前财务状况及未来发展潜力，协助制定长期贷款策略。
无论您是就职于知名律所的执业律师，还是自由执业律师，我们都能帮助您找到最符合您利益的贷款方案。信赖我们的律师房贷经纪团队，全程无忧推进您的贷款流程。
屡获殊荣的专业团队，成绩有目共睹
2024
Top 100 Brokers
2024-2025
Elite Broker
2023-2024
Highest Number of Loans Settled
2023-2024
Highest Dollar Volume
2024
MQG Diamond Club
2024
Top Brokerage MPA Australia
2023
MPA Top 100 Brokers in Australia
2021
MPA Top 100 Brokers in Australia
2019-2020
Franchise of the Year (VIC)
2019-2020
Managing Director's Rising Star Award
2023
Choice Platinum Achiever
2020-2021
Franchise of the Year (VIC/TAS)
2020-2021
National Mortgage Broker of the Year
2022
Choice Platinum Achiever
为什么选择我们的房贷经纪人？
量身定制的融资方案
我们根据您的职业阶段、收入结构和长期财务目标，量身推荐合适的贷款产品。
节省时间的全流程服务
我们提供高效、透明的一站式贷款服务，申请与审批流程快速推进，并灵活配合您的时间安排。
战略性贷款建议
在 Original Wealth，我们不仅为您匹配贷款产品，还提供专业的贷款策略建议，助您实现长期财务成长。
丰富的行业经验
丰富的行业经验 过去十年，我们已协助众多法律从业者完成首次购房、贷款再融资及投资房产等多种贷款需求。
Simplifying Home Loans for Lawyers
As a legal professional, you are already in a profession where details matter, numbers need to add up and proper risk assessment is essential before taking an action. At Original Wealth, we handle lawyers’ home loans with the same analytical focus.
Whether you’re seeking a first home owner loan or looking to refinance, we ensure you’re presented with ample choices and every minute detail before approving the mortgage.
Lenders consider legal professionals as a low-risk borrower. We leverage this to improve overall outcomes such as:
- Reduced or waived Lenders Mortgage Insurance (LMI) at higher loan-to-value ratios
- More competitive interest rate margins
- Favourable assessment of bonuses and structured income growth
- Stronger borrowing capacity aligned with your earning trajectory
- Access to professional lending packages with fee concessions
- Greater flexibility in credit policy where appropriate
Having access to 40+ Australian bank and non-bank lenders allows us to recommend a solution to suit your interests. We negotiate on your behalf and try to avail the best loan outcomes.
The objective is simple — reduce avoidable costs and position your debt correctly from the outset.
Empowering Lawyers To Achieve Their Property Goals With Tailored Home Loans
We have more than 10 years of experience as mortgage brokers and our clientele has a fair share of legal professionals too. From upgrading a family home to buying an investment property, we’ve helped individuals secure the best possible home loan outcomes. Our process includes:
Initial Assessment
In most cases, it’s required to showcase a stable income for the last 2 years. We review your income structure whether it’s the payslips, financial statement or distribution history. We also assess liabilities and deposit positions. Thorough reviewing allows us to determine your eligibility for professional lending concessions before proceeding.
Capacity and Structure
We calculate borrowing capacity using lender-specific models and recommend a structure aligned with your goals accordingly. That may involve offset facilities, interest-only periods for investment lending, or a split between fixed and variable rates to manage cash flow.
Pre-Approval with Purpose
We prepare and submit your application. All this while, we ensure documents stay organised from the very beginning and credit policy is addressed upfront. This reduces back-and-forth and strengthens your position when negotiating.
Approval and Settlement
Once you secure a property, we coordinate valuation, formal approval and documentation. We liaise with all relevant parties to keep the settlement on track. We ensure you stay well-informed throughout the process.
Ongoing Review
Your income will likely grow and there will be a change in your financial position. In such circumstances, if need be we will review your loan and ensure it remains competitive. If refinancing creates a clear financial advantage, we advise you directly.
As lawyers home loan brokers we understand that the profession you’re in brings multiple advantages in the field of professional lending. We leverage all of these in your favour. Reach out to us to know how we can secure tailored home loans.
计算并做出明智的财务决策
合作贷款机构
常见 问题解答
可以。律师作为低风险借款人，通常可享有多项贷款专属福利。具体优惠因贷款机构不同而异，但通常包括：豁免贷款保险（LMI）、更高贷款额度和优惠利率。如需了解详情，欢迎联系 Original Wealth 的律师房贷经纪人。
以下法律从业者通常可享受 LMI 豁免资格，包括：
- 律师
- 出庭律师
- 律所合伙人
- 企业法务/法律顾问
- 法官
是否具备 LMI 豁免资格取决于具体贷款机构政策，建议在申请前确认清楚。
律师等高收入群体通常可以贷款高达房产价值的 100%，无需支付标准 20% 的首付款。实际贷款额度仍需依据您的收入、信用记录和贷款机构评估标准而定。Original Wealth 将为您匹配提供最灵活条款与利率的贷款机构，帮助您最大化贷款能力。
有资格。所有律师均可申请专属贷款产品。但作为自雇人士，您需要提供更全面的财务文件，例如税务申报、BAS 报表或会计出具的收入证明等。我们也可协助您选择低文件贷款（Low-Doc Loan）选项。欢迎联系咨询，我们将根据您的情况提供具体建议。
常见所需材料包括：
- 工作证明（雇佣合同或近期工资单）
- 法律从业注册证明（如律师协会或大律师协会会员）
- 个人身份证明与信用记录
- 如为自雇律师：需提供报税记录、公司财务报表或营业收入证明
虽然您可自行申请贷款，但若想节省时间、简化流程、获取更优贷款方案，建议委托专业房贷经纪人。我们可协助您：
- 获取律师专属贷款产品
- 协商专属利率与优惠条款
- 代办文书与沟通流程，节省时间
- 结构化设计贷款方案，兼顾当下与未来发展
当然可以。转贷可帮助您降低利率、获取更优惠的贷款条款、减少费用或释放房产净值。无论您目标为何，我们都可为您进行贷款健康评估，并判断转贷是否适合当前阶段。欢迎联系了解更多信息。
律师因风险低、信用好，申请贷款通常会获得优先审批。特别是在有经验经纪人协助协商的情况下，能有效促成简化的材料要求、更快的审批流程。我们的贷款经纪可为您与贷款机构沟通，争取优先处理权。
可以，但并非所有贷款机构都提供此类豁免。是否获批通常取决于您的贷款额度比（LVR）、现有投资组合及收入状况。我们会协助您呈现出稳健的财务能力，以提升豁免通过率。
可以。部分贷款机构允许将奖金或计时收入计入贷款评估，这有助于提升您的贷款额度。一般需提供至少连续 6 个月的收入记录，才能被视为可持续收入。我们可协助您以最有效方式呈现所有收入来源，争取更有利的贷款条件。
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