Self-Employed & Complex Income Lending service
The Bank Said "No." We Say "Let’s Look Closer."
Being self-employed shouldn’t stop you from buying a home. We specialize in helping business owners, contractors, and freelancers prove their true income to get the loan they deserve.
Your Tax Return Doesn’t Tell The Whole Story.
Standard banks often put self-employed applicants in the “too hard” basket because they look at taxable income, not actual cash flow. We know that as a business owner, you legally minimize your tax—but that shouldn’t minimize your borrowing power. We use lenders who understand the difference.
Add-Backs Are Key
We find lenders who "add back" non-cash expenses like depreciation, one-off costs, and car allowances to your income, significantly boosting your borrowing capacity.
Low Doc Options
Behind on tax returns? We have access to "Low Doc" loans where you can prove your income using BAS statements or an accountant’s letter instead of full financials.
Contractor Friendly
If you are an IT contractor or medical professional, we can often use your daily rate (annualized) to prove income, rather than waiting for a two-year history.
Lending Logic For Business Owners
You work hard to build your business, and you deserve a bank that backs you. We move beyond the “computer says no” mentality of the big banks. By presenting a full business case—showing your profit, growth, and stability—we secure loans for clients who thought they were locked out of the property market.
Specialist Mortgage Advice For Melbourne’s Self-Employed
We understand balance sheets, BAS, and trusts. We package your application to present your business strength clearly to credit assessors.
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Compare Options from 40+ of Australia’s Leading Lenders
We negotiate with the biggest names in banking to secure competitive rates and tailored terms for your specific needs.
Your Approval Pathway
Self-employed lending requires a different approach. We analyze your financials upfront to identify the right lender policy, ensuring your application is strong, clear, and ready for approval.
What Our Clients Say
Real experiences from clients who found clarity and confidence in their home loan journey.
Buying, refinancing, or investing in property is a major decision — and hearing from others who’ve been through the process can make all the difference. Our clients come to us feeling unsure or overwhelmed, and leave feeling confident, informed, and supported. Their experiences reflect our commitment to clear advice, genuine care, and long-term relationships built on trust.
Happy Customer
Frequently Asked Questions
Not always. While major banks often ask for two years, many specialist lenders only require your most recent year’s tax return. Some even allow us to use just your last 6 months of BAS statements or business bank account statements to prove your cash flow.
"Add-backs" are expenses that reduce your taxable income but aren't ongoing costs affecting your ability to repay a loan. Common add-backs include depreciation, one-off purchase costs, or interest on business loans you are refinancing. We use these to increase your assessed income.
Yes, it is possible. While standard policy is 24 months, several lenders will consider applicants with an ABN registration of just 12 months (or even less for certain professionals) if you have strong industry experience in your field prior to starting the business.
If you can provide full tax returns ("Full Doc"), you get the same standard rates as a PAYG employee. If you need a "Low Doc" loan (using BAS or accountant declaration), the rate might be slightly higher, but we can often refinance you to a standard rate once your tax returns are up to date.
Banks typically take the lower of the last two years' income. However, if your most recent year is much stronger due to business growth, we can use lenders who will look at the average or even just the current year’s figure if we can explain the growth story clearly.
It can be for some banks, but not for us. We understand that company profit (retained earnings) is your money, even if you didn't pay it out as a wage. We use lenders who look at your share of the Net Profit of the business, not just the salary you declared on your personal return.