Just because you run your own show doesn’t mean getting a loan should be harder than pulling teeth. But let’s not pretend it’s easy either.

If you’ve ever been knocked back by a bank just because your income doesn’t show up neatly on a pay slip—welcome. You’re our people.

Banks Don’t Get You. We Do.

You don’t fit their little boxes—and that’s the problem.

You’re running a business, not collecting payslips. One year’s a growth year, the next you invest back in. You know how to manage your money. But banks? They treat your tax return like gospel and ignore the bigger picture.

That’s where we come in.

We know how to read your business—not just your numbers. We look past the deductions, timing quirks, and one-off expenses to show lenders what you really earn.

Want to know how your income is actually assessed—and how to boost your borrowing power? Here’s the insider’s guide.

We’ll help you present the right documents, explain the story behind the figures, and structure your application in a way that actually gets approved.

We’ve Got Options the Banks and Most Brokers Won’t Tell You About

When the bank shuts the door, we open a side gate.

✅ Use your most recent year’s income—not the average

✅ Show mid-year numbers or projections if tax returns aren’t done

✅ Use your accountant’s letter to explain fluctuations

✅ Access lenders that understand self-employed cash flow

We work with lenders that speak your language—and lenders that don’t advertise on TV.

Trading 12 Months or less? You’ve Got Options

You don’t need two years in business to qualify for a home loan. Some lenders will consider you with just 12 months’ or less of trading history—if you know where to look (spoiler: we do).

Full Doc, Low Doc, No Clue?

We’ll tell you straight:

• Full doc loans = better rates, more paperwork
• Alt doc / low doc loans = less paperwork, a bit pricier

We’ll match you to the right one without wasting time—or money.  

Hot tip: we often get full doc loans where others recommend alt doc.  The devil is in the detail, and we know how to sort through it to make sure you get the best deal.

Ready to Borrow Like a Boss?

You don’t need to fit into a bank’s box. You just need someone who knows how to package your income properly and pitch it to the right lender.

We’ve done this for everyone from solo tradies to big-earning business owners. We’ll do it for you, too.

Let’s chat—and get this sorted.

Download the Self-Employed Lending Guide now to learn the tips to supercharge your borrowing power when applying for a loan.