Your income is legitimate and substantial — but banks don't understand medical income structures. Variable hours, shift premiums, locum work. We do. Get a mortgage that reflects your actual earning power.
The Problem
The big banks rely on a two-year PAYG income history. Most self-employed borrowers legitimately minimize their taxable income through legitimate deductions — which looks terrible on a standard bank application. Result: capable, high-earning business owners get knocked back while lower-paid employees seek approval. It's a system problem, not a you problem.
Specialist lenders assess self-employed income differently — using add-backs, BAS statements, and bank statements. This may open options that standard banks won't consider. No guarantee of approval, but a better chance.
We use BAS statements, bank statements, and accountant letters instead.
We present variable income the right way for specialist lenders.
Specialist lenders accept ABNs from 6 months with the right documents.
Add-backs let us present your actual earning capacity to lenders.
The Add-Back Advantage
Business expenses reduce your taxable income — but they don't reduce your actual earning capacity. Add-backs let us add those deductions back for loan assessment, often doubling your borrowing power.
Priya K. — Business owner, Newtown NSW
Without Add-Backs
With Add-Backs (+$45K)
Add-backs increased Priya's borrowing power by $380,000
Frequently Asked
Talk to a Sydney broker who understands self-employed lending. Explore your options with access to multiple leading lenders. No obligation, free assessment. No guarantee of approval.
Related Resources
