Personal lending
Self-employed? The lender you pick decides everything.
Some lenders understand business income. Some treat every dollar of business debt as yours personally. We know which is which, before anything is lodged.
What you get
The right lender first, and financials that stack up.
The right lender, first.
We shortlist lenders whose policy actually suits self-employed income, protecting your credit file from doomed applications.
Financials, lender-ready.
Our in-house accountants can prepare and explain the tax returns and statements lenders want to see.
Structure that fits the business.
Loan structure planned around how you pay yourself, with your tax position in the room.
Complex is normal here.
Around one in five of our loans is a complex file. It is not a problem; it is Tuesday.
Our process
Three steps, and you always know where you are.
We work the same way on every loan, so nothing gets lost and you are never left guessing. Here is what happens between the first conversation and settlement.
Tell us the goal
A quick conversation, then one link to send us your documents, with a clear list of exactly what we need.
Three options
We assess your position, check lender policy before anything is lodged so your credit file is protected, and present three clear options in plain English.
Lodged, chased, settled
We prepare the paperwork, update you at every stage, chase the lender so you do not have to, and stay contactable after settlement.
One roof
Your accountant and your broker, all under one roof.
The hardest part of a self-employed loan is usually the paperwork conversation between your accountant and the lender. Here it is a walk down the corridor. Financials get prepared knowing what the lender needs, questions get answered, and the application tells one consistent story.
If our accounting team already prepares your business tax returns and financial statements, your loan file starts with numbers we know inside out. If your accountant sits somewhere else, we work with them. Either way, see how we support owners across the business side of things.
Common questions
Questions we get asked.
Commonly two years of returns, though policies differ and some lenders take a more flexible view of strong recent trading. We match the lender to your history rather than forcing your history into one lender's box. (General information only.)
With some lenders, heavily: they attribute every dollar of business debt to you personally. Others assess it more sensibly. Knowing the difference before applying is most of the game.
Usually not. One lender's decline reflects one lender's policy. We assess your position against the panel and tell you honestly where it fits.
Of course. And if our accounting team does your work, the loan file and the financials get built together under one roof.
Ready to talk to a broker who understands business income?
The first conversation costs nothing and comes with no obligation.
Or call (03) 9574 8300
