Loans that understand how you earn.

Many lenders like to see a couple of years of self-employment, as it gives them a track record to look at, but that's far from a hard rule across the board. Some lenders are more flexible, particularly if you were working in the same field before you started out on your own, or if your figures tell a strong story. The key is knowing which lenders take a sensible, real-world view rather than a rigid one. That's exactly where we come in: we'll match your circumstances to lenders who'll give your income a fair hearing, so a shorter track record doesn't automatically count you out before you've begun.

It varies a little depending on the lender and the type of loan, but for most applications you'll be looking at your recent tax returns and business financials, and sometimes your BAS or a letter from your accountant. If your setup is more involved, there may be a few extra pieces to pull together. Rather than leave you guessing, we'll give you a clear, tailored checklist right at the start so you know exactly what to gather and why each item matters. Getting the paperwork right early is one of the biggest things that keeps a self-employed application running smoothly, and it saves a lot of back-and-forth later.

Add-backs are a genuinely useful concept for business owners, and they're often misunderstood. In short, they're certain expenses in your accounts that a lender may add back to your income to get a truer sense of what you actually earn, because some of those figures reduce your taxable income without reflecting your real cash position. Depreciation is a common example. The catch is that lenders differ in what they'll accept and how they treat them, which can make a real difference to how much you're able to borrow. We know how to present your figures properly, so the right add-backs are recognised and your genuine earning capacity comes through clearly.

For some self-employed borrowers, yes. A number of lenders offer what are often called low-doc or alternative-documentation options, which rely on a different mix of evidence when the full suite of financials isn't available. They can be a helpful path in the right circumstances, though they sometimes come with their own conditions, so they're not automatically the best choice just because they involve less paperwork. Whether one suits you depends on your situation and what you're trying to achieve. We'll talk you through the options honestly and help you weigh up whether a low-doc approach is genuinely the right fit, or whether a standard application would serve you better.