Service Pathway

Self-Employed Home Loans

If you run an ABN, a company, or a trust, your tax return rarely tells the full story. We work with your accountant to surface add-backs, normalise one-off expenses, and match you to lenders whose policy actually fits how you earn, not just how the ATO sees you.

If your tax return doesn't tell your full story, that's exactly where we add value. We work with your accountant to surface add-backs, normalise one-off expenses, and match you to lenders whose policy fits how you actually earn, in plain English.

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Who this is for

• Sole traders and ABN holders with 1-2 years trading history
• Company and trust directors needing add-back strategy
• PAYG-to-self-employed transitions still inside the lender 'new business' window
• Borrowers with strong BAS performance but weaker tax returns
• Contractors paid through a labour-hire arrangement

Urgency CTA

Need this solved fast?

We can map your likely pathway quickly once we have the key details. Do not wait until a deadline forces a bad decision.

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Common lending obstacles

Lenders averaging two years of declining income instead of using the most recent year

Legitimate one-off expenses (vehicle, equipment, depreciation) not being added back

Trust distributions to other beneficiaries reducing assessable income

ATO debt or recent payment plans flagged in financials

BAS-only or accountant-letter evidence being rejected by mainstream lenders

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Our step-by-step approach

Step 1

Income evidence diagnosis

We review the last two years of returns, BAS, and business activity to identify the strongest evidence path, full doc, alt doc, or low doc, for your profile.

Step 2

Add-back and normalisation

Working with your accountant, we identify add-backs (depreciation, one-off expenses, interest on debt being refinanced) so the lender sees your true serviceable income.

Step 3

Lender shortlist by policy fit

Different lenders accept different evidence, some use latest-year income, others average two years, some accept BAS, some accept accountant declarations. We pick the right one.

Step 4

Submission with full context

We package the file with a written scenario note so the credit assessor understands your business before they open the spreadsheet.

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Frequently asked questions

How long do I need to be self-employed to get a loan?

Most lenders want 24 months of ABN registration with two years of financials, but several accept 12 months trading and one full year of financials. A few specialist lenders go shorter.

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What is a low doc loan and do I need one?

A low doc loan uses alternative income evidence (BAS, accountant letter, or business bank statements) instead of full tax returns. It usually costs a bit more, but can be the right answer when financials do not reflect current income.

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Will ATO debt stop me from being approved?

Not always. A formal payment plan in good standing is acceptable to several lenders. We map the pathway around it rather than pretending it does not exist.

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Do you work with trusts and company structures?

Yes. We regularly package trust and company financials with director's guarantees into clear lender submissions.

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Ready to move on your self-employed home loans?

Two-minute assessment. We come back with a real lender-fit pathway, not a generic rate list.

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