If you run your own business, your income is real — it just doesn't arrive in the shape a bank's online form expects. I've spent more than 30 years reading business numbers properly, and matching them to lenders who do the same.
Four reasons good business owners get a "no" they didn't deserve — and none of them are about you.
A good accountant legitimately minimises your taxable income. A bank reads that same number as what you can afford. Someone has to put the deductions back.
Depreciation, one-offs, extra super, interest on debts being paid out, the car through the business. Add them back and the borrowing figure changes — often a lot.
Plenty of lenders will work from one year's financials, business bank statements or an accountant's declaration. You just need to know who does what — first.
Every application lands on your credit file. Several in a short window tells the next lender a story you don't want told. Assess once, present once, to the right lender.
Twenty minutes on your business, your structure and what you're trying to do. Nothing is lodged and nothing touches your credit file.
I work through your financials the way a credit assessor will, add back what can legitimately be added back, and tell you the borrowing figure I can actually defend.
Access to more than 60 lenders through Connective — majors, second tier and specialists. Different lenders treat trusts, companies, add-backs and short trading histories very differently.
Your file goes in with the story already told and the evidence attached. I chase the lender so you don't have to, and you hear from me at every stage.
You don't need all of it to have the first conversation — but this is what a strong file looks like.
Behind on lodgements? Say so early — it's fixable, but it changes the plan.
A short letter from your accountant on this year's trading is worth more than most people realise.
No. Some lenders will consider one full year of financials, particularly where you were working in the same field before you started the business. It narrows the field — it doesn't close it.
Not on its own. It rules you out at a handful of large lenders, which isn't the same thing. In many cases the debt can be refinanced and paid out as part of the loan.
Not necessarily. Plenty of self-employed clients qualify on mainstream terms once the income is presented properly. Where a specialist lender is genuinely needed, I'll show you the cost of that before you commit to anything.
There's no fee for standard home loan work — I'm paid by the lender, and that commission is disclosed to you in writing before you apply. If a file ever needs a fee arrangement, you'll know well before you decide anything.
Twenty minutes, no paperwork, nothing lodged and nothing on your credit file. You'll leave knowing whether this is workable and what the next step is.
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