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Bangladeshi business owner 1 year ABN home loan Sydney consultation
1 Year ABN Bangladeshi

1 Year ABN Home Loan for Bangladeshi Buyers in Sydney

Mortgagefy Broker Team · Published · Last reviewed

Most lenders want 2 years ABN history. But for Bangladeshi business owners with just 1 year, specialist lenders exist. Mortgagefy knows them.

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Who this guide is for

Sydney Bangladeshi business owners (grocery, restaurant, retail, services) with only 12-18 months of ABN history wanting to buy a home.

The local picture

Most major banks require 2 years ABN history before considering self-employed applications. For Bangladeshi business owners 12-18 months in, this seems to rule out home ownership. But specialist lenders accept shorter history with the right structure.

How Mortgagefy helps locally

Mortgagefy works with specialist lenders that accept 12 months ABN history (some 6 months) with prior PAYG industry experience. Bengali support throughout.

Free advice.

How it works — 4 simple steps

1

Free Bangladeshi business chat

20-minute call (Bengali support) about your trading history.

2

Compare specialist lenders

We identify lenders accepting 1-year ABN history.

3

Application support

We package BAS, tax return, and supporting docs end to end.

4

Settle in Sydney

You move in with Bengali support.

Frequently asked questions

We use offer letters and vesting schedules to value RSUs conservatively. We present current vesting value + projected future vesting as a 3-5 year income average. This gives lenders confidence in your income stability while accounting for market volatility.
Both. We work with W2 employees, 1099 contractors, and consultants. For contractors, we use 2 years of tax returns plus business financials. We have lenders who specialise in contractor income—they understand the variability.
Unvested options have zero value for refinancing. We count only vested equity. If you have a 4-year vest, we use 25% of the grant value (what's vested) plus a conservative projection of future vesting.
If you've been in your new role 6+ months, most lenders will refinance. We'll use your offer letter plus 6 months of pay stubs. If less than 6 months, it's harder but possible with specialist lenders.
Yes, if you have 2+ years of bonus history. We average the past 2 years and present it conservatively. Some bonuses get counted at 50% to be conservative with variable compensation.
ESPP is counted as deferred compensation. If your company matches or you have a discount, we value it as part of total compensation package.

Talk to us about 1-year ABN home loans

Free 20-minute call with Bengali support.

Start Your Free Assessment Call 0432 634 648

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