Self-employed and struggling to get a home loan approved?
Most lenders don't assess business income correctly.
Some will use 50–80% of your income. Others ignore key add-backs entirely.
We structure your income in line with lender policy — then match you with the lenders that will actually accept it.
No obligation. No credit enquiry.
Why self-employed borrowers get declined
Most lenders are built for PAYG income.
If you’re self-employed, your application is assessed differently — and often incorrectly.
One lender may say no — the right one says yes.
These are common — and often solvable with the right structure.
1–2 years ABN
Recently lodged or incomplete financials
Strong revenue but low taxable income
Multiple income streams
Previous decline from a bank
For borrowers whose income doesn’t fit standard lender models
Most lenders are set up for simple PAYG income.
We specialise in scenarios that require a more structured approach.
01 Who we work with
We specialise in borrowers whose income doesn’t fit standard lender models — and is often misunderstood or incorrectly assessed.
02 Our approach
A decline is a data point — not a final outcome.
We assess your situation through the lens of lender policy — not assumptions.
It comes down to aligning your application with lender policy.
Self-Employed Home Loans
For ABN holders, company and trust structures, and complex income. We assess your income correctly and match you with lenders suited to your scenario.
Refinancing & Restructuring
If your current loan isn’t structured correctly, it can limit your borrowing and flexibility. We reassess and restructure your lending to improve cashflow and long-term outcomes.
Complex Income Lending
Multiple income streams, commissions, bonuses, and non-standard income. We align your income with lender criteria and position your application accordingly.
Car & Asset Finance
Flexible finance solutions structured around your cashflow — for vehicles, equipment, and business use.
Structured Personal Loans
Strategic lending for consolidation or major expenses — structured to remain manageable over time.
Ready to move forward?
We’ll review your situation and identify the best structure and lender fit.
Get My Scenario Assessed →No obligation. No credit enquiry.
No obligation. No credit enquiry.
We structure your application based on how lenders actually assess your situation.
Structured for Approval
We understand how lenders assess self-employed and complex income — and structure your application to align with their criteria.
Right Lender, Not Just More Lenders
It’s not about having more options — it’s about selecting the lender best suited to your scenario.
Fewer Declines, Better Outcomes
Incorrect structure leads to unnecessary declines or reduced borrowing. We minimise that risk from the outset.
End-to-End Guidance
From strategy through to settlement, we manage the process so you don’t have to navigate lender requirements alone.
No Credit Impact to Get Started
We assess your situation before approaching any lender. Your credit file is only accessed when you’re ready to proceed.
"They understood our situation from the start"
Refinance - Previous Credit Issues
Oran Park
First Home Buyer - 12 months ABN
Shalvey
Refinance - Low Doc to Major Lender
Fairfield Heights
Tell us about your situation
We’ll review your scenario and guide you on the best path forward.
