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Income type

Self employed lending, from a self employed broker

There is more than one way a lender can read what you earn.

How I help

  • The right read. Finding the method that reads your income highest.
  • The right lender. A panel of lenders that read income differently, matched to your goals.
  • The paperwork. I’ll work with you or your accountant.
  • The next move. Planned with your next purchase in view.
A line drawing of a small open-fronted timber market stall: four posts, a pitched roof frame with rafters and purlins, a long front counter and a shelf along the back

Ways a lender can read self employed income

I’ll work out which way reads your income highest, and apply it.

  • Full doc. Two years of tax returns and financials.
  • One year of financials. Your latest year only, which helps if it’s your strongest. Most lenders want two years of trading.
  • A director’s wage. Six months of regular wages from your company, usually with an accountant’s letter confirming profit.
  • Alt doc, also called low doc. An income declaration backed by an accountant’s letter, BAS or bank statements.
A line drawing of a timber five-bar gate: two upright stiles, five horizontal bars and a diagonal brace, with wooden pegs through the stiles

Situations I work with

  • Your strongest year. Some lenders will use your latest year on its own, and add back costs like depreciation, which can lift borrowing capacity.
  • New to it. About a year can be enough if you did the same work as an employee first, or alt doc from an ABN six months old.
  • An ATO debt. Some specialist lenders will refinance it if a payment plan is being met, a conversation for you, your accountant and me.
  • Returns not ready. Behind on lodging? Alt doc can work while you catch up.

Book a strategy call, or send a question first.

A line drawing of a short timber footbridge: four heavy posts, two handrails, diagonal braces, long side beams and a deck of planks, with wooden pegs and tenon blocks showing at the joints

Buying in a trust, company or SMSF? See trust and company lending or SMSF lending. Buying commercial? See commercial lending.

Three ways to start.

Pick the level of commitment that suits where you are up to.

Book a strategy callStart your assessmentCall 0400 804 624

Not sure what a strategy call involves? How the strategy call works