Self-Employed & Complex Income Solutions
Navigate complex income scenarios with confidence and expertise
Self-employed, contractor, or complex income? Traditional banks often struggle with non-standard income structures. We specialize in translating complex income into compelling lending applications that secure approval.
What This Includes
Income structuring and presentation for maximum serviceability
Access to specialist lenders who understand self-employed borrowers
Strategic financial statement positioning
Multiple income source aggregation (rental, dividends, contract, business)
Alternative verification methods when tax returns don't tell the full story
Restructuring advice to improve future lending capacity
Why This Matters
Banks don't assess self-employed income like PAYE. I know how to present your financials properly so your income isn't undervalued.
Specialist lenders can approve deals that major banks decline
Strategic presentation can mean the difference between decline and approval
Right advice unlocks finance access without compromising business structure
How It Works
Income Analysis
Review business financials, tax returns, and all income sources to maximize serviceability.
Lender Matching
Identify lenders whose policies best suit your specific income structure.
Strategic Application
Present your income story in the strongest possible way to secure approval.
Future Planning
Guidance on structuring income and financials to maintain strong lending capacity.
Real Results
Deal Saved 72 Hours Before Finance Date
Problem
The client was purchasing a rundown property to renovate and sell. The bank had originally approved the loan, but three days before settlement a consent issue was identified and the approval was withdrawn.
Strategic Action
We immediately restructured the lending and moved the deal to a non-bank lender that was comfortable with the property and timeframe, allowing settlement to proceed.
Outcome
The property settled within 36 hours. After the renovation, the client was so happy with how the property turned out that they decided to keep it. We then refinanced the loan back to a main bank on standard terms, with an excellent result for the client.