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For people whose income is real, but doesn’t look the way a bank’s system expects. Access to bank and non-bank lenders — including the ones that assess self-employed income properly.
Why the bank said no — and why that’s not the end of it
- Your ABN is too new.
- Most banks want two years. Several lenders will work with one, and a few will look at less with the right structure.
- Your last return doesn’t reflect this year.
- Business income moves. Some lenders will assess on your most recent year rather than averaging two.
- Your accountant did their job too well.
- Depreciation, one-off expenses, superannuation contributions, interest on business debt — these reduce your taxable income, but they don’t reduce what you can actually afford. Lenders that allow add-backs will count them. Not all do, and they don’t all count the same ones.
- Your returns aren’t lodged yet.
- Alt-doc lending (low-doc) uses BAS statements, an accountant’s declaration or business bank statements instead of tax returns.
- Your income comes from several places.
- Contract work, company profits, trust distributions, rental income — assessed differently by every lender.
Who we do this for
- Sole traders and contractors
- Tradies, consultants, IT contractors, allied health, transport.
- Company and trust structures
- Where income sits across entities and needs to be read as a whole.
- Business owners
- Where the business and the borrowing need to work together.
- Investors
- Portfolio structuring, equity release, multiple securities across lenders.
- Employed borrowers too
- Not every client is self-employed. Straightforward applications are welcome, and they’re usually quick.
What we arrange
Purchases · Refinancing · Construction · Investment lending · Equity release · Bridging · Commercial property · SMSF lending
Full-doc and alt-doc (also called low-doc), depending on what documentation you have.
Bridging on a deadline of days rather than weeks is often better done as short-term private funding — see private funding →
Situations we’ve handled
Self-employed consultant, ABN under two years
Declined by two major banks on the basis that the business was too new. Refinanced through a lender that assesses one year of returns, with add-backs applied. Owner-occupied purchase settled ahead of the contract date.
Tradie with income across two entities
Sole trader income plus company profits, assessed as separate and insufficient by the bank. Restructured the application with a lender that reads both together. Approved at close to double the borrowing capacity previously quoted.
Business owner with returns not yet lodged
The most recent financial year wasn’t finalised, which stopped a bank application outright. Alt-doc application using BAS statements and an accountant’s declaration. Settled without waiting for lodgement.
Investor releasing equity across multiple securities
Existing lending spread across two banks limited further borrowing. Restructured across lenders to release equity and fund a third purchase, without cross-collateralising the whole portfolio.
Based on real client files. Details changed and identifying information removed. Every application is assessed on its own circumstances — past outcomes don’t indicate what any lender will approve for you.
How it works
A 15-minute call.
You’ll know the same day whether it’s likely to work, and which lenders are worth approaching.
Documents, then options within 48 hours.
A side-by-side comparison of what each lender will actually offer — including the ones that will say no, and why.
We lodge and update you weekly.
You won’t have to chase us.
What we’ll need to start
- If you’re self-employed
- Your last one or two tax returns and financials, or BAS statements if returns aren’t lodged yet. ABN and GST registration details.
- If you’re employed
- Recent payslips and a bank statement.
- Everyone
- ID, and a rough idea of the property or price range you’re looking at.
Don’t have all of it? Call anyway — we’ll tell you what actually matters for your situation.
How much can I borrow?
If you’re self-employed, no online calculator can answer this honestly. Your borrowing power depends on add-backs, depreciation and one-off expenses that automated tools don’t count — and every lender treats them differently. The same application can vary by hundreds of thousands between lenders.
That’s a 15-minute conversation, not a slider.
Work out the numbers yourself
Free, no sign-up.
General information only. Not credit assistance. Lending criteria, fees and eligibility apply and vary between lenders.