Self Employed Lending
Complex income, clearly presented.
Self employed applications aren't harder, they're just presented poorly. When your financials are interpreted and packaged properly, the outcome usually looks very different.
Who this is for
This is for you if your income doesn't fit a payslip.
- You're a sole trader, director or contractor
- Your income varies year to year
- You have retained profits in a company structure
- You have trust distributions or multiple entities
- You've recently restructured or changed ABNs
- You've been declined elsewhere without a clear explanation
Our approach
How we work through it with you
Structured, transparent and explained in plain English at every stage.
Interpret the financials
We read your returns the way a credit assessor will, identify add-backs, and understand what the numbers actually say about your business.
Match to policy
Lender policy for self employed borrowers varies enormously. We select on policy fit first, then price.
Present the case
Applications are submitted with a written rationale, so your business is understood rather than assessed on a template.
Questions
Good to know
Lending Strategy Session
Let's start with clarity.
A 30 minute conversation about where you are, where you want to be, and the decisions that get you there. No obligation. No pressure.