Non-standard income doesn't mean no options.
We help self-employed borrowers, contractors, and those with complex income situations find suitable lending options and prepare a well-presented application.
Self-Employed & Complex Loans
Who this is for
If you're self-employed, a contractor, a business owner, or someone with income that doesn't fit neatly into a standard payslip, you may have found that applying for a home loan feels more complicated.
We work with borrowers across a range of income types, including sole traders, company directors, trust structures, and those with variable or seasonal income, to help find lenders and products that may suit their circumstances.
Why standard bank assessments can differ
Most lenders are set up to assess PAYG employees with straightforward income. When your income comes from self-employment, is variable, or flows through a business structure, the assessment process can be different, and not every lender approaches it the same way.
This is where having a broker who understands these differences can help. We know which lenders on our panel are more experienced with non-standard income, and we help present your application in the best possible light.
Careful preparation matters
Documentation review
We help you understand what documents lenders may request and how to prepare them before lodgement.
Income presentation
We work with you to present your income in a way that is accurate and clearly understood by lenders.
Lender matching
Different lenders have different policies for self-employed borrowers. We help identify those that may be a better fit.
Application management
We prepare and lodge the application, manage the process, and keep you informed throughout.
Frequently asked questions
General information only. The content on this page is general in nature and does not constitute personal financial advice. It does not take into account your individual objectives, financial situation, or needs. Before making any financial decisions, consider whether the information is appropriate for your circumstances and seek independent professional advice if needed.
Ready to understand your options?
Our team is here to help you explore what may be possible. Start with a conversation. There's no obligation and no jargon.