Service · 04
Income that doesn't fit a payslip .
Two-year financials, add-backs, BAS-only assessments, and lender-by-lender treatment of self-employed income — explained in plain language before you apply.
01 · In practice
Self-employed lending is an income-evidence problem.
Different lenders treat the same business income very differently. Some require two years of audited financials. Some accept BAS-only assessments. Some accept an accountant’s confirmation letter. The right lender for your application is the one whose policy reads your income most generously.
The Strategy Memo names the lender, the documentation pack required, the rate that lender is offering this quarter, and the trade-offs against the next-strongest option.
02 · Questions we cover
Four conversations about how income gets evidenced.
Which add-backs your business actually has — depreciation, one-off expenses, motor vehicle, rent paid to a related entity.
Whether you are better evidenced as PAYG salary from your own company, as company profit, or as a blend.
Which lenders accept BAS-only or low-doc assessment, and what trade-off each path involves on rate.
How long-form (full doc) vs. alt-doc applications affect the rate you ultimately settle on.
03 · What to gather
The evidence pack for a self-employed application.
Last two personal and company tax returns plus notices of assessment.
Last two years of company financials (P&L plus balance sheet).
Last four BAS lodgements.
Accountant contact details — we may seek a confirmation letter.
Identity documents (driver licence + passport or Medicare card).
07 · The conversation
Start with a written assessment, not a sales pitch.
Fourteen minutes — long enough to understand your situation, short enough to respect your time.