Your business is strong. Your loan should reflect it.
Lenders treat business income very differently. We know which ones add back depreciation and one-offs, accept one year of returns, or offer low doc options using BAS and bank statements.
Is this you?
- Sole traders, contractors and company directors
- Recently self-employed (12 months+)
- Tax returns that don't show your current income
- ABN contractors in IT, health, trades and consulting
What you should know
Borrowing Power Calculator
Estimate your borrowing power using the same building blocks lenders use: income after tax, living expenses, debts and the 3% serviceability buffer.
Open calculatorFigures current as at October 2026. Scheme rules and caps change; we confirm them for your situation.
Our process
Review your financials
We look at tax returns, BAS and add-backs with you or your accountant.
Match the lender
Full doc, alt doc or low doc depending on your paperwork.
Present it properly
We package your application the way the lender's credit team needs it.
Refinance later
Move to a sharper rate once your returns catch up.
Frequently asked
Can I get a loan with one year of tax returns?
Some lenders accept one year, especially if you were in the same industry before.
Are low doc rates much higher?
Usually a little higher, with lower maximum LVRs.
Do lenders count my company's profit?
Some do, if you own the company and it's shown in the financial statements.
Related articles
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Temporary visa holders can't buy established homes until at least 31 March 2027. Here's what you can still buy, FIRB rules, lender policies and extra costs.
Home Loans for New Permanent Residents and Recent Migrants
Just got PR or recently moved to Australia? How lenders treat permanent residents, overseas income and credit history, plus the schemes you can use.
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