Stable income, strong borrowing, structured strategies.
Government employment is among the most favourably assessed income types by lenders. Most public servants never fully leverage this advantage. We will.
No obligation. Conservative, structured advice.
70+
lenders — government income assessed at full value
7
peak accreditations
PSS, CSS, PSSap
government super schemes handled correctly
How does Liviti help government professionals with property investment?
Liviti helps government and public sector professionals earning $200K–$400K+ build structured property portfolios. Liviti understands government super schemes (PSS, CSS, PSSap) and how they impact borrowing capacity. Conservative, risk-managed portfolios with 7 peak accreditations and lending across 70+ lenders.
The problem
Government salaries are stable and predictable — which gives you strong borrowing power that most public servants never fully use. Your defined benefit or accumulation super scheme impacts your lending assessment in ways most brokers don’t understand. Meanwhile, your income is taxed at the same rates as everyone else, and without a property strategy, you’re paying more than you need to.
- ChallengeGovernment super schemes assessed incorrectly — your PSS or CSS impacts borrowing capacity in ways standard calculators miss
- ChallengeStable income under-leveraged — you qualify for more borrowing power than you think, but no one has shown you how to use it
- ChallengeTop-marginal tax on a predictable salary — without a property strategy, you’ll continue to overpay indefinitely
- ChallengeGeneric investment advice ignores government-specific structures — you need a team that knows the difference
How we fix it
Government super expertise
PSS, CSS, PSSap — Liviti understands how government defined benefit and accumulation super structures impact your borrowing capacity and investment strategy.
Stable income, maximum leverage
Government income is treated favourably by lenders. Liviti structures lending across 70+ lenders to ensure your stable income translates into maximum borrowing power.
Conservative, structured portfolios
Risk-managed property portfolios that align with a public servant’s considered financial outlook. No speculation. Structured, long-term wealth building.
Frequently asked questions
Yes. Government defined benefit and accumulation super structures impact your borrowing capacity and investment strategy. Liviti factors them in when building your portfolio roadmap.
Yes. Government income is among the most favourably assessed by lenders due to its stability. Liviti helps public sector professionals leverage this advantage through structured, tax-optimised property portfolios.
Yes. Liviti works with employees across federal, state, and local government. We’re familiar with the super schemes, employment conditions, and lending considerations that differ between jurisdictions.
Defined benefit schemes like PSS and CSS are assessed differently to standard accumulation funds. Liviti understands how lenders account for these schemes and ensures your borrowing capacity reflects your full financial position.
No. The initial strategy session is complimentary. Liviti’s fees are disclosed upfront before any engagement begins.
Ready to put your stable income to work?
Government income is stable, well-documented, and favoured by lenders. If you haven’t had a property strategy session that accounts for your super scheme and income structure, there’s likely untapped capacity you don’t know about.