📞 0432 634 648 — Accountant Mortgage Specialist

Accountant Depreciation Add-Backs: Maximizing Lending Capacity Through Tax Deductions

Mortgagefy Team • 7 min read

Accountants understand that deductions don't mean less earning capacity. Most banks don't. Here's how to present the full picture.

The Challenge

Accountant income is seasonal, heavily affected by tax deductions, and misunderstood by mainstream lenders. They see your tax return and underestimate your actual earning capacity. Here's how specialist lenders evaluate your real borrowing power.

Real Examples: How Specialist Lenders See It

Accountant in Tax Season

Income: $180k net on tax return after deductions, actual $280k earnings

Home Value: $600k home

Result: Bank approved $520k based on tax return. Specialist: add-backs + cash flow analysis, approved $680k

Partnership with Variable Share

Income: $150k draw + $100k average profit share

Home Value: $750k home

Result: Tax return shows $250k, but variable. Specialist: partnership agreement + 3-year average, approved $720k

Seasonal Sole Practitioner

Income: $200k annual average, $50k in off-season

Home Value: $500k home

Result: Peak season gives false impression. Specialist: averaged 2-year cycle, accurate assessment = $620k

How to Get Approved

  1. Gather documentation specific to your income structure (not just tax returns)
  2. Find a specialist lender who understands your profession
  3. Present your income optimally—showing gross, net, projections, and add-backs
  4. Work with a broker who can match you with the right lender first time

Get Your Free Assessment

Tell us your income structure and we'll show you exactly how much you can borrow—and which lenders will approve you.

Call 0432 634 648 — Free Assessment

No obligation. No broker fees.