Multiple properties, complex structures, larger loan amounts and sophisticated financial arrangements require a broker who can engage at the right level. Blambles background across accounting, property funds management and finance advisory — combined with access to specialist lenders — makes Blambles genuinely suited to high-net-worth lending.
High net worth individuals face a paradox in lending: the more assets and income you have, often the more complex your application — and the harder it is for a standard lender's automated process to deal with it. Multiple properties across different entities, income from a combination of business, investment and salary sources, large loan amounts and sophisticated structuring requirements don't fit into the online application form that works for a first home buyer with a payslip.
The financial structure of a high net worth borrower is typically multi-layered: personal assets and income alongside company structures, family trusts, investment funds and superannuation. Each of these layers interacts with the others — and the way they're presented to a lender matters significantly. Getting credit approved at the right terms for a large or complex transaction often comes down to the quality of the application and the relationship the broker has with the lender's senior credit team.
Large loan amounts — typically above $2–3 million — often move into "portfolio lending" territory, where standard bank policies give way to more bespoke assessments. Some of Australia's private banks and specialist lenders have dedicated teams for this segment, offering higher LVRs, longer interest-only periods and more flexible assessment criteria for the right borrower profile. Access to these lenders — and knowing how to position an application appropriately — is what distinguishes a sophisticated broker from a mainstream one.
Blambles background — Chartered Accountant, Deloitte, Trinity Group, CBRE, Ferrier Hodgson — means he has spent two decades engaging with complex financial structures at the institutional level. He understands your world, speaks your language and can engage with your advisors — accountants, financial planners, family office — as a genuine peer rather than an intermediary who needs to be brought up to speed.
Sophisticated commercial property lending — from individual assets to portfolio acquisitions — through mainstream and specialist lenders with genuine appetite.
Learn more →Property inside your SMSF — residential or commercial — with LRBA expertise and access to specialist SMSF lenders. Blambles accounting background makes this his specialty.
Learn more →Family trust, unit trust and complex holding structure lending — Blambles understands the documentation requirements and knows which lenders work with each structure.
Learn more →Multiple investment properties, portfolio-level assessment and standalone loan structures — managed strategically to preserve flexibility and maximise capacity.
Learn more →Borrowing through holding companies and corporate structures — with specialist lenders who understand the structure and assess it appropriately.
Learn more →High net worth lending is as much about the quality of the relationship and the credit submission as it is about the rate comparison. Blambles has built direct relationships with the senior credit teams at specialist lenders who focus on this segment — and he presents applications that are comprehensive, well-structured and pre-emptive of the questions a credit team will ask. This translates into faster decisions and better outcomes.
Blambles works alongside your existing advisors — accountants, financial planners, solicitors, family office — as part of an advisory team, not in competition with them. He brings expertise in the finance element that complements the broader advisory relationship, without stepping outside his lane.
With access to 40+ lenders — including private banks and specialist lenders who don't operate through retail channels — Blambles can access products and terms that aren't visible from the street. The service costs you nothing as a borrower, and for high net worth transactions, the value of getting the structure right — both the entity structure and the loan structure — is measured in years of flexibility and savings.
Portfolio lending typically refers to a bespoke lending arrangement for borrowers with larger or more complex loan requirements — often above $2–3 million, multiple properties or specific structural requirements that don't fit standard policies. At this level, lenders assess the overall portfolio position and the borrower's total financial profile rather than applying standard templates. Private banks, specialist lenders and some major bank relationship banking divisions operate in this space. Blambles has relationships with lenders at this level and knows how to position applications appropriately.
Yes — though lenders have different approaches to how they view related-entity borrowing. Some lenders consolidate all borrowings across entities you control into a single exposure figure; others assess each entity separately. Understanding how a particular lender views your consolidated exposure is important when structuring large or multi-entity loan arrangements. Blambles manages this analysis carefully to ensure the structure doesn't inadvertently limit your capacity with any particular lender.
The starting point is always a conversation — Blambles takes time to understand the full picture before making any recommendations. For complex situations, he may want to review a summary of your structure from your accountant alongside a discussion of what you're trying to achieve. From there, he can identify the right lenders and the right approach for your specific circumstances, without making assumptions based on incomplete information. The consultation is free and confidential.
Yes — Blambles is comfortable working alongside family offices, wealth managers, accounting firms and financial planning practices as part of a broader advisory arrangement. He understands the role each party plays and operates within that framework, bringing specialist finance expertise without duplicating the advice others are providing. For referred clients, Blambles maintains discretion and communicates with the adviser as well as the client throughout the process.
Free and confidential consultation. Blambles will take the time to understand your situation fully before offering any recommendation — no pressure, no generic advice.