Business Owner Home Loan North Brisbane
Self employed? Your income is not the problem
Sole traders, contractors, tradies and company directors, we know which lenders read business income properly.
Meet our directors Tom & Steve Kelly, the local Business Owner Home Loan experts who work with North Brisbane buyers and investors.
What are the Business Owner Home Loan steps?
1. Schedule a free chat here
Bring your last two years of financials, or your BAS if returns don't reflect current trading, and a free chat tells you what you can realistically borrow before you start looking at homes.
2. We find the right loan options
Self-employed files get declined over presentation rather than profit, because every lender treats add-backs differently. We compare 60+ on both full-doc and alt-doc options to find the best fit.
3. Start your application, no pressure
If you decide to go ahead, we package the financials with your accountant's figures so the business looks as strong on paper as it is in practice.
4. Business Owner Home Loan support!
Steve Kelly works closely with North Brisbane business owners on home and commercial lending together. Call 0411 654 999.
Schedule a call today:
We negotiate with 60+ lenders for you, including the major Australian Business Owner Home Loan banks & lenders.
Is it harder for business owners to get a home loan?
Not if the file is presented properly. Business-owner applications get declined over presentation rather than profit, because every lender treats add-backs and retained earnings differently.
We know which lenders read business income fairly and package the file to match. It often pairs with a self-employed lending approach.
What financials do I need?
Bring your last two years of company financials and tax returns, or your recent BAS if the returns don't reflect current trading, plus personal returns and ID.
That's enough for a free, realistic read on what you can borrow. If the business also needs funding, see business loans.
What if my recent tax returns understate current trading?
Alt-doc lending using BAS or bank statements can work instead, assessing your business on its current position rather than a return that's a year or two out of date.
An accountant's letter confirming current trading can also help. We match you to the lender most comfortable with recent-growth stories for owners across Newmarket and Albion.
How do you package the application?
We package the financials with your accountant's figures so the business looks as strong on paper as it is in practice, and lodge with the lender whose policy fits your structure.
Steve Kelly works closely with North Brisbane business owners on home and commercial lending together. Call 0411 654 999.
