What is different for business owners
- Lenders usually want two years of financials, and add-backs vary by lender
- Income can vary year to year, which affects borrowing capacity
- Owning your premises can be an option, sometimes through an SMSF
- Time is the scarcest resource, so the process must run without you
How we help
- 01Plan around your business
Your income pattern, cash needs and goals, with your accountant.
- 02Lending that fits
A licensed broker experienced with self-employed borrowers.
- 03Residential or commercial
Investment property, or premises for your own business.
- 04Minimal time from you
We search, inspect, report and negotiate. You make the decisions.
Common questions
Can I buy my business premises through my SMSF?
Possibly, as business real property. Your financial adviser and accountant confirm whether it suits you.
Will my variable income limit my borrowing?
It can. A broker who works with self-employed clients knows which lenders suit your situation.
How much of my time does this take?
A strategy session, then decisions at key points. We handle the rest.
Related
General information only. It does not consider your objectives, financial situation or needs, and is not financial, credit, tax or legal advice. Rules change, so check current law and get advice from a licensed professional before acting.