A major bank (sometimes)
If you have 2+ years of strong tax returns, full-doc with a major can still be sharpest.
Your tax return doesn't tell the full story, and banks don't always get that. We specialise in ABN borrowers.
If you're self-employed, you probably know the drill: maximise deductions all year, then try to borrow against what looks like a much smaller income on paper. Most big banks can't see past the bottom line.
We work with specialist and non-bank lenders who understand how small business actually works. BAS-based servicing, alternative documentation, and flexible treatment of add-backs like one-off deductions and director's wages. We've placed loans for tradies, consultants, restaurant owners and Uber drivers in the last 12 months.
Self-verified income, BAS, accountant's declaration - depending on the lender.
Depreciation, director's salary, interest expense - we know how each lender treats them.
Some lenders want 2+ years. Some take 12 months. A few even take 6.
Specialist doesn't mean expensive. Many of our self-employed clients get near-prime rates.
Tell us your business structure and income story. We'll tell you which lender will listen.
We help you pull together BAS, tax returns, bank statements - whatever fits.
Typically 5-10 business days for specialist lenders.
Business changes fast. We'll reassess every year.
We don’t quote rates on the website — they move weekly. We’ll give you real numbers at our first meeting.
If you have 2+ years of strong tax returns, full-doc with a major can still be sharpest.
Accepts BAS lending, 1-year ABN borrowers, and stronger add-backs.
For complicated structures - multiple entities, recent start-up, or credit events.
Two banks told us no because my business was only 18 months old. Richard found a lender who took my BAS as proof of income. Settled six weeks later.
Self-employed first-timers are our bread and butter.
Learn more →Smart structure matters more when self-employed.
Learn more →Need funds for the business, not the home?
Learn more →Most lenders want 2 years. Some accept 1 year. A handful will go as low as 6 months in the right circumstances.
Full-doc uses your tax returns. Low-doc uses alternative evidence - typically BAS, an accountant's declaration, or 6-12 months of business bank statements.
Sometimes a small premium on alt-doc loans. Full-doc rates are usually the same as a PAYG borrower.
With some lenders, yes - especially if your business has clearly grown since the return was lodged.
Most lenders accept these as income, often after 2 years of consistency. Some treat them more favourably than others.
Yes. Commercial in structure but residential in purpose - we've done plenty.
A 20-minute call, no fee, no obligation. We’ll come back with three real lender options and a clear next step.
0473 113 128Mon-Fri, 8am-6pm