Can I still get finance if I have ATO debt?
Often yes. Several lenders accept a formal ATO payment plan that is up to date. We ask for the plan and your recent payment history, then match you to a lender that accepts it.
FAQs
Answers to common questions
Answers to the questions we hear most. If your situation is different, start the assessment and a broker will contact you to talk it through.
What if my tax returns do not show my current income?
Several lenders accept your BAS, business bank statements or an accountant's letter instead of full tax returns. We check which evidence you have before choosing a lender.
What happens after I enquire?
A broker reviews your enquiry and contacts you to discuss your circumstances and next steps. If you have a contract deadline, include it in your enquiry. Lender assessment times vary; your broker explains the expected timing when an application is being prepared.
Is there a fee, and when is a credit check done?
You pay no fee for our service.* We are paid by the lender when your loan settles. Sending an enquiry does not authorise a credit check; a credit check happens only when you apply, and we tell you before anything is lodged. We generally submit to one lender at a time so we do not adversely impact your credit score and your future ability to access credit.
Do you help first home buyers?
Yes. We check your eligibility for the Queensland First Home Owner Grant, stamp duty concessions, and the federal First Home Guarantee before you make an offer.
Can you help with self-employed and trust structures?
Yes. We discuss your business income, structure and available records. With your permission, we can work with your accountant to clarify the information a lender needs.
Do you provide personal financial advice?
No. We arrange home loans and explain the lending options. We do not give financial, tax or legal advice. Where you need it, we work with your accountant, financial adviser or solicitor.
Need a direct answer for your situation?
Start the assessment so a broker can review your circumstances and discuss what to do next.