Banks often misinterpret self-employed income, leading to unnecessary declines or reduced borrowing limits. We review your financials in detail to present your true earnings, maximise your borrowing power and match you with lenders who understand complex structures.
Whether you are a sole trader, contractor or running multiple companies, we ensure your hard work counts towards your lending goals.
We review your tax returns, BAS, and profit patterns to identify "add-backs" and true income that automated bank systems miss.
We prepare lender-ready summaries that clearly explain your business performance, turning complex financials into a simple approval case.
We match your specific setup - whether trusts, partnerships or multiple entities - to lenders who are comfortable with those structures.
If your tax returns are not ready, we can access lenders who accept BAS statements, accountant letters or bank statements as proof of income.
We don’t just find you a loan-we structure lending around the way your business and income actually work. Our Self-Employed & Complex Income Loans are designed to support business owners, contractors and borrowers with non-standard income, providing flexible finance solutions for both immediate property goals and long-term financial growth.
We calculate borrowing power using real lender policy, not generic online calculators, for results you can trust.
From pre-approval to settlement, we manage the entire process, including paperwork and bank follow-ups.
Every client is unique. We structure your loan to match your specific income, deposit, and future financial plans.
We are specialising for the complex scenarios, from self-employed income to non-conforming lending.
We navigate the complexity of business financials to present a clear, strong case that lenders can say yes to.
We assess your most recent financials, tax returns and business activity statements to understand your trading history.
We identify non-cash deductions (like depreciation) and one-off expenses that can be added back to increase your borrowing capacity.
We shortlist lenders whose policies match your income type, ensuring we don't apply where you don't fit the box.
We submit your application with a detailed credit memo explaining your business, then manage the bank queries through to settlement.
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Self-employed lending is notorious for being difficult, but it doesn’t have to be. From tax returns to trading history, the rules vary wildly between banks.
We believe in total transparency. Here are the answers to the questions we hear most often from business owners to help you move forward with clarity.
With the right lending strategy, self-employed borrowers can often access more options than they realise, including solutions tailored to complex income structures and evolving business performance.
Understanding lender policy differences early can improve approval confidence, reduce delays, and help you secure a loan structure that supports both personal and business growth.
Yes. We have access to “Low-Doc” and “Alt-Doc” lenders who can verify your income using alternative methods, such as Business Activity Statements (BAS), accountant letters, or business bank statements, rather than waiting for finalised tax returns.
Absolutely. We analyse your financials to identify “add-backs”—non-cash deductions like depreciation or one-off expenses—that banks often miss. This ensures your servicing calculation reflects your true trading profit, maximising your borrowing power.
No. We specialise in complex structures. We know which lenders understand Family Trusts, Partnerships, and multi-entity setups, ensuring they assess your distributable income correctly rather than declining you based on a misunderstanding of your structure.
While major banks often require 2 years of history, many of our specialist lenders will consider applications with as little as 1 year of ABN registration (or even less), provided you have strong experience in your industry.
Yes. Self-employed borrowers can refinance, but lenders may assess income differently. Depending on your situation, tax returns, BAS, accountant letters, or business bank statements may be used to verify income.
Possibly. Some lenders may consider applicants with a shorter trading history if the business is stable and income can be supported with suitable documents. Eligibility depends on the lender, industry, and overall financial position.
Our specialists are ready to assist you with immediate support and accurate guidance for every service requirement.
32 Endeavour Road, Hillarys WA 6025
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