Self-employed
Some lenders accept one year of tax returns, an ABN held for 12 months or alternative documents such as BAS and accountant letters. We match your income story to lenders whose policy fits it.
Complex situation? That's where we help most.
Banks often say no when your situation doesn't fit their checklist. Lender policies differ widely, so we look across 50+ lenders for one whose rules fit you.
Contractors and casuals
Some lenders look at your work history in the industry rather than time with one employer, and can count casual or contract income sooner than you might expect.
Overtime, bonus and commission
Lenders treat this income very differently: some count all of it, others only part. Choosing the right lender can change how much you can borrow.
Visa holders
Some lenders lend to certain temporary visa holders and their partners. Deposit rules and Foreign Investment Review Board approval may apply, so we check this early.
Past credit issues
Specialist lenders look at what happened and what's changed since. We explain your options honestly, including when it may be better to wait.
Separation or divorce
We help you understand what you can borrow on your own, how to refinance a shared loan and what lenders need to see from your settlement.
Single income or single parent
Lenders assess dependants and expenses differently. The Family Home Guarantee may let eligible single parents buy with a 2% deposit.
Buying before you sell
Bridging finance can cover the gap between buying your next home and selling your current one. We work out the numbers and the risks with you.
Building or knockdown-rebuild
Construction loans release money as each stage is finished. We help you line up the builder's contract, valuations and progress payments.
Family help
Parents can help with a gifted deposit or by guaranteeing part of your loan with equity in their home. We explain what it means for everyone.
Growing a property portfolio
Each extra property changes how lenders assess you. Structuring loans and choosing lenders in the right order can keep your options open.
Too many debts
Rolling high-interest debts into your home loan can lower your repayments, but it can cost more over time. We show you both sides.
General information only. Every lender has its own criteria and approval is never guaranteed. We'll look at your full situation before recommending anything.
Don't see your situation?
Tell us what's going on. Most situations have a lender that fits.