Mortgage Solutions for Early-Career Barristers
Starting out as a barrister is a huge achievement—but when it comes to getting a home loan, lenders don’t always see it that way. Your income might be irregular, your structure complex, and your tax returns designed to optimise tax (as they should be). That’s where we come in.
At Causbrooks Finance, we specialise in helping early-career barristers and sole practitioners secure competitive lending—whether it’s for your first home, an investment property, or setting up chambers.
Secure Your Loan with Causbrooks Finance.
Why Lending Feels Harder Than It Should Be
Traditional banks don’t love:
- ABNs with less than 2 years’ history
- Income that doesn’t appear on a payslip
- Professionally optimised taxable income
We understand that none of this reflects your capability or future earnings.
You need someone who can present your financials in the right way—someone who understands both your employment structure and the lender’s requirements.
To learn more about why it’s so hard to get a home loan when you work for yourself read our article here.
How We Help
We act as both broker and translator—bridging the gap between your financial reality and what lenders want to see.
- Work with flexible lenders who understand barristers
- Use accountant-backed structuring to boost your borrowing power
- Get access to pre-approval, even with limited history
- Avoid common mistakes that delay or reduce approvals
Want to find out what you can borrow?
Your borrowing power depends on more than just income—it’s about how that income is presented.
We help:
- Average your income over 12–24 months where needed
- Use future earning capacity (in some cases)
- Position you for lender confidence—even if you're still in your first year
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Chambers or Home? Or Both?
Being a barrister means investing in yourself—often in more ways than one. You may be looking to secure a place to live, set up your own chambers, or lay the foundations for future wealth through property. The challenge? Structuring lending that works for today’s cash flow while supporting tomorrow’s ambitions.
We can help you with:
Buying your first home
We’ll help you qualify even without payslips, using your ABN income, tax records, and future earning capacity to present a compelling application. We can work with your accountant or with our sister company, chartered accountants at causbrooks.com.au to provide an accountant's letter
Purchasing an investment property
If you’re thinking long-term, we can help you leverage your income to start building a property portfolio early in your career.
Financing chambers or fit-out costs
From commercial property loans to equipment finance and setup funding, we’ll help you access the right lending product to support your professional base.
We don’t just find you a loan—we help you structure it properly, so your cash flow stays manageable and your borrowing capacity is preserved as your income grows. The right setup now can make all the difference when it’s time to upgrade, refinance, or invest further down the track.
Why Choose Causbrooks Finance?
At Causbrooks Finance, we understand barrister's income structures and can help structure mortgage packages suited to a barrister's unique financial situation. We can connect you with hundreds of lenders, including Australia's big 4 banks, to secure competitive rates that fit your unique situation. Our deep market knowledge helps you access better deals than going directly to banks. Our service comes at no cost to you - the lender pays us when your loan settles. In those rare cases where fees might apply, we discuss this openly before proceeding. You get expert guidance without the price tag.
We know your time matters, that's why we meet you at your convenience. We manage everything from loan comparisons to settlement paperwork, letting you focus on what's important - finding your perfect home.
FAQ
About Causbrooks.
Causbrooks is a registered tax agent. At Causbrooks, we’re dedicated to helping businesses with their taxation and accounting needs. If you would like to discuss your situation, please complete the form below.
Disclaimer
Any advice contained in this document is general advice only and does not take into consideration the reader’s personal circumstances. Any reference to the reader’s actual circumstances is coincidental. To avoid making a decision not appropriate to you, the content should not be relied upon or act as a substitute for receiving financial advice suitable to your circumstances.
Contact us today for a consultation.
Talk with our loan specialists about how much you can borrow today. Fill out the quick assessment form and we'll help you plan your first home purchase.
