Specialist Business Income Lending
Self-Employed Lending Solutions
Self-employed income doesn't fit neat bank boxes. We specialize in presenting company, trust, and partnership financial statements to secure maximum borrowing capacity.
We Understand Business Accounts & Income Add-Backs
Traditional banks often penalize self-employed borrowers because they read tax returns at face value. Angela Pepper analyzes depreciation, interest add-backs, one-off expenses, and retained trust earnings to present your true financial strength.
Low-Doc & Alt-Doc Mortgages
Utilising BAS statements, accountant declarations, or 6 months of bank statements when current tax returns aren't finalized.
Complex Trust & Company Structures
Lending for company directors, unit trusts, and family discretionary trusts with multiple beneficiaries.