Your income is not always one neat payslip.
If you run a business or work as a contractor, a different kind of income story may need a thoughtful lending conversation.
Make your income story clear
We focus on your individual financial position and explain choices before any application.
Understand your work
Discuss business structure, cash flow and trading history.
Identify evidence
Review tax returns, BAS, financial statements and other documents a lender may request.
Explore lender criteria
Consider suitable options subject to lender policy and assessment.
Better questions lead to more informed decisions.
We can compare options from our accredited lender panel, discuss product features and costs, and explain what happens next. Your full circumstances will need to be assessed before any recommendation.
Bring your questions.
We'll bring the structure.
Initial enquiries are obligation-free. Any brokerage fee, if applicable, is disclosed before you proceed.
Request a strategy call ↗Things worth knowing.
Clear answers to common home loan questions. Every borrower is different, so these are general explanations only.
How long do I need to be self-employed?+
Requirements vary across lenders. Some may look for a longer trading history, while others consider different evidence and circumstances. We will discuss documentation and lender policies relevant to your situation.
What income documents might lenders request?+
Depending on the lender and loan type, documents may include personal and business tax returns, notices of assessment, financial statements, BAS, bank statements and accountant information.
Is low-doc borrowing possible?+
Some lenders offer alternative-documentation options subject to their policies and responsible lending requirements. These products may have different rates, fees and eligibility criteria.