Running your own show should not lock you out of a good loan. We read your real numbers, add-backs and all, and match you to lenders who actually understand self-employed borrowers, not just the ones that say no on sight.
Your income is real. The job is to present it the way lenders need to see it, and to pick the lenders who get it.
Your income is real, even if your tax return makes it look smaller. We present it properly and find lenders who understand how you work.
Income split across salary, dividends and retained profit confuses most assessors. We package it so the full picture counts.
Less than two years of figures does not have to be a dead end. We use the lenders and the documents that let you borrow sooner.
No paperwork, no credit check, no pressure. Just a straight read on what you can borrow and how to present it. By the end you will know four things:
No credit check. No obligation. Just a real conversation.
Your real borrowing power once add-backs are factored in.
Which lenders are friendliest to your structure and ABN history.
Alt-doc and low-doc pathways when full financials do not fit.
How to package your application so tax-effective income still gets the loan.
You stay in the loop, in plain English, the whole way.
You tell me how your business is set up and how you pay yourself. By the end you know which lenders are realistic and what they will need.
I work through your financials, add-backs included, and work out your real number with the lenders that assess self-employed income properly.
I bring back the options that fit, full-doc or low-doc, with the trade-offs clear, then package and lodge the application so nothing gets misread.
I manage it through to settlement, then keep an eye on your rate and structure as your business grows.
Most knock-backs are not about the income. They are about how it was presented and which lender saw it.
Depreciation, one-off expenses, interest and extra super can often be added back to your assessable income. Most lenders will not do this for you. We do.
When your tax returns are not ready or do not tell the full story, accountant declarations and BAS statements can stand in. We know which lenders accept them and on what terms.
Some lenders will lend on a single year of financials or even less. If you have been knocked back for being too new, you may simply have been at the wrong lender.
Sole trader, company, trust or a mix changes how income is assessed. We present your structure so the income actually lands where the lender can count it.
Twenty minutes, no cost, no credit check. Tell us how your business is set up and we will come back with a clear read on your options. Fill in the form, or reach us directly.
No pressure. Just a clear picture of what is possible for you.