The Self-Employed Lending Challenge
You're self-employed. Your income is strong. You've built a successful business. But when you go to the bank for a mortgage, they look at your tax return and say: "We'll only count $140k of your gross income." They're confused by business deductions. They don't understand add-backs. They want outdated documentation. They take months.
Most banks follow a standard playbook that doesn't fit self-employed income. This is where you need a specialist broker who understands your structure: sole traders, company directors, trust income, variable income, business expenses that reduce your taxable income but show business profitability.
We've helped 1,500+ self-employed borrowers get approved quickly. Here's how.
Real Self-Employed Wins
David: Consultant, $200k Gross / $140k Taxable
Bank says: "We can only lend based on $140k taxable income." Result: $560k loan (4x income). Specialist broker shows: $200k gross + conservative $140k taxable = demonstrates full picture. Result: $650k approved (additional $90k). Timeline: 3 days.
Rachel: Business Owner, 1.5 Years History
Banks want 2+ years tax returns. She's been operating 18 months. Bank says "come back next year." Specialist lender accepts 18 months history + bank statements + accountant letter. Approved $480k. Timeline: 1 week.
Marcus: Company Director + Trust Distribution
Complex structure: $120k salary + $80k trust distribution. Bank confused about which counts. Specialist broker aggregates: $200k total, presents with tax returns + accountant letter. Approved $750k. Timeline: 5 days.
Frequently Asked Questions
Getting Started
Buying a property or refinancing your mortgage doesn't have to be complicated. The right broker makes all the difference. We match you with lenders who understand your situation—not generic bank forms, not outdated income verification, but specialist lenders who say yes.
Next step: free 15-minute assessment. We'll review your situation, explain your options, and show you exactly what's possible. No obligation, no commissions to pay, just straight advice from someone who's closed 2,000+ mortgages.