Loans Built Around Your Life, Not a Generic Checklist
If you don’t fit the standard “9-to-5” box, getting a loan can feel impossible. But complex finances shouldn’t stop you from buying a home. I specialise in investigating and structuring tailored loan solutions for self-employed professionals, business owners, and investors with unique income streams.
Standard Loans Don’t Work for Everyone
Banks often rely on rigid algorithms that often reject high-quality applicants simply because their situation is “non-standard”. I help clients who need a human approach to lending.
Self-Employed & Business Owners
Your taxable income rarely reflects your actual ability to repay a loan. I use lenders who understand add-backs, profit retention, and business cash flow.
Contractors & Freelancers
Whether you’re on a short-term contract, PAYG, or invoicing via an ABN, I’ll look for lenders that will accept your income without having to wait for years.
Medical & Legal Professionals
Certain professions qualify for exclusive LMI waivers (up to 90% LVR) and special interest rate discounts. I’ll investigate if you are eligible for these “hidden” tier-one policies.
My Approach to Complex Lending
I don’t just submit an application and hope for the best. I build a persuasive case that explains your financial strength to the lender’s credit assessor.
Deep-Dive Discovery
I analyse your full financial picture, including trust deeds, company financials, and contract terms.
Policy Investigation
I check your scenario against the specific credit policies of 40+ lenders to find the ones that view your income favorably.
Strategic Structuring
I structure the loan application to highlight your strengths and mitigate “red flags” before the bank even sees it.
Specialist Products I Can Help With
Low Doc Loans
Solutions for self-employed borrowers who haven’t completed their latest tax returns but have strong BAS statements or business bank statements.
Alt-Doc Lending
Using alternative methods (like an accountant’s letter) to verify income.
Guarantor Loans
Helping first home buyers enter the market using a family member’s equity to avoid LMI.
SMSF Loans
Specialised lending for purchasing residential or commercial property through your Self-Managed Super Fund.
Your Situation Isn’t Too Hard. It Just Needs the Right Investigator.
Don’t let a “no” from your bank stop you. Let’s sit down and look at the real options available to you.
Common Questions About Complex Lending
Yes, it is possible. While most major banks require 2 years of tax returns, some specialist lenders (and even some majors) will accept 1 year of returns or even just 6 months of BAS statements if your industry experience is strong.
Absolutely. Standard bank policy often ignores profit retained in your company. I work with lenders who will “add back” retained profits and one-off expenses (like depreciation) to your personal servicing income, significantly increasing your borrowing power.
Not always. The gap between “Full Doc” and “Low Doc” rates has narrowed significantly. Depending on your deposit size (LVR), I can often source Low Doc rates that are very competitive with standard home loans.
Yes. If you have a default, judgment, or missed payments on your file, I can investigate “credit repair” lenders. These lenders look at the reason behind the issue and your current ability to repay, offering a pathway back to standard lending in the future.
Yes, specific professions (Doctors, Dentists, Accountants, Lawyers, and sometimes Engineers) can borrow up to 90% of a property’s value without paying Lenders Mortgage Insurance. This can save you tens of thousands of dollars. I can confirm if your specific role and degree qualify.
Yes. While many major banks require you to pass probation first, I have access to lenders who will approve a loan from Day 1 of your new job, provided you have a history of employment in the same industry.
It depends on the lender. Some banks “shade” this income (only using 80% of it) or require a 2-year history. However, I can investigate lenders who will accept 100% of your overtime and bonuses if you can show a consistent track record over the last 6–12 months.
Absolutely. Buying in a trust structure is a common strategy for asset protection and tax planning. It requires a lender who understands complex structures and can review your Trust Deed. I work with your accountant to ensure the loan structure matches your financial strategy.
It doesn’t have to. Many lenders will accept your “return to work” income rather than your current reduced income. We simply need a letter from your employer confirming your return date and salary. I can find the lenders who view this favorably.
The standard requirement is 12 months with the same employer. However, if you work in high-demand industries (like Nursing, Teaching, or IT), I have access to lenders who may accept just 3 to 6 months of history, or even less if you have a strong employment track record.
Yes, this is known as a “Cash Out” for business purposes. Major banks can be strict about this, often asking for extensive business plans. I work with commercial and specialist lenders who are comfortable releasing equity for working capital or business expansion with a simple declaration of funds.
Standard banks often look at your tax return, which might show expenses reducing your income. I use lenders who “annualize” your day rate (e.g., Day Rate x 5 days x 48 weeks). This method often results in a much higher borrowing capacity than looking at your net profit.
Not necessarily. Lenders cannot discriminate based on age, but they do require a valid “Exit Strategy”—a plan for how you will repay the loan once you retire (e.g., superannuation or downsizing). If your Exit Strategy is sound, we can often secure a standard 30-year term.