Self-employed? Lending shouldn't be harder than running your business.

Self-Employed and Unsure What You Can Borrow?

Many business owners assume they won't qualify because their income doesn't fit traditional lending criteria.

Whether you're a sole trader, company director, contractor or operating through a trust, understanding how lenders view your income can make a significant difference to your borrowing options.

Before assuming you won't qualify, it may be worth exploring the lending options available based on your circumstances.

COMMON SELF-EMPLOYED BORROWING SCENARIOS

✓ Business owners whose taxable income looks lower than their actual cash flow

✓ Sole traders wanting to buy a home or investment property

✓ Company directors with complex income structures

✓ Trust structures and family businesses

✓ Recently self-employed borrowers

✓ Borrowers who have previously been declined

WHY SELF-EMPLOYED LENDING CAN BE DIFFERENT

Self-employed income isn't always assessed the same way as PAYG income. Depending on the lender, they may consider things such as:

• Taxable income and business performance
• Salary, wages and director income
• Company or trust distributions
• Add-backs and certain business expenses
• How long you've been self-employed
• Recent versus historical financial results

Different lenders assess self-employed income differently, so understanding your options before applying can make a significant difference.

WHY WORK WITH BROKER VISION

✓ Nearly 30 years' experience across banking, lending and credit

✓ Experience working with complex business income and lending scenarios

✓ Australia-wide service

✓ Clear explanations without unnecessary jargon

✓ Guidance from enquiry through to settlement, and beyond

CLIENT FEEDBACK

★★★★★

"As a business owner I expected the process to be difficult, but everything was explained clearly and I knew exactly what was needed at each stage."

John M

★★★★★

"We had previously been told our options were limited. Neelam helped us understand how lenders viewed our situation and guided us through the process."

Chris S

Ready to understand your borrowing options as a business owner?

Complete the form below and I'll review your circumstances and help you understand what lending options may be available.