Run a good business and there's a lender for you. Guaranteed to exist, our job to find.
One year in business can be enough
The big banks want two full years of returns. Plenty of good lenders don't, one year of financials, or even strong recent BAS, can get you approved at a sharp rate.
Add-backs put income back
Depreciation, one-off equipment buys, extra super, interest on business debt, legitimate deductions that aren't really "spent" money. Added back correctly, your assessable income can jump dramatically.
Alt-doc, when it makes sense
If the tax returns don't tell the story yet, alt-doc lending, BAS, bank statements or an accountant's declaration, gets you moving now, with a plan to refinance to a sharper rate later.
You run the business. We run the application.
A call after knock-off
Thirty minutes, whenever suits, bring your last returns or just your accountant's number. We'll tell you straight what you can borrow and what needs a year more trading.
The right lender, first time
Your three best options in 24 hours, chosen for how they read self-employed income, add-backs counted, latest year used where it helps. One well-placed application, not five knock-backs.
Approved while you work
We chase the bank, the valuer and the paperwork, you stay on the tools. Then Rate Watch™ re-checks your rate every year so the deal stays sharp.
Hear from our happy homeowners.
Straight answers for business owners.
I've only got one year on the ABN. Any chance?
Often, yes. Several lenders approve on one year of financials, and some will consider strong BAS if you went out on your own in the same trade you were employed in. The "two years minimum" rule is a big-bank policy, not the law.
My taxable income looks tiny on paper. Am I stuck?
Not necessarily. That's usually good accounting, not low earnings. Add-backs, company profits you left in the business, and lenders that use your latest (best) year instead of a two-year average can turn a "no" into a comfortable "yes".
What paperwork will I actually need?
Full-doc: personal and business tax returns, notices of assessment and financials, we'll liaise with your accountant directly so you're not the middleman. Alt-doc: usually BAS or business bank statements plus an accountant's declaration.
Is alt-doc lending dodgy?
No, it's regulated lending from reputable lenders, just verified differently. You'll pay a slightly higher rate for the flexibility, and the usual play is to refinance to a standard loan once your next tax return is done. We plan that from day one.
Your bank said "come back with two years of payslips."
You don't have payslips. You have a business. A free 30-minute call with Nathan finds the lenders who get that, and they pay us, not you.