Complex finances. Clear home loans.

What lenders look at

• One or two years of tax returns and assessments
• Whether income is rising or falling
• Add backs like depreciation and one off costs

What we do

• Read your financials the way a credit assessor will
• Work with your accountant on what to send
• Go to lenders whose policy suits your numbers

What lenders look at

• How long the ABN and GST have been active
• Your work history in the same field
• BAS statements and recent contracts

What we do

• Show the full story, not only the ABN date
• Match you with lenders open to a shorter history
• Tell you straight if waiting a few months gets a better rate

What lenders look at

• What the mark is, how big, and how old
• Whether it has been paid
• How you have handled credit since

What we do

• Pull your file with you before any application
• Explain it to the lender upfront, with context
• Avoid extra enquiries that drag your score down

What lenders look at

• How long you have been in the role or industry
• Payslips, year to date income and contracts
• How much of the variable pay they will count

What we do

• Work out which lenders count more of your income
• Package your documents so nothing is left to guess
• Plan the timing around your contract dates

What lenders look at

• Where the property settlement is up to
• Your income and costs on your own
• Child support paid or received

What we do

• Map what you can borrow alone, early
• Line the loan up with your settlement dates
• Keep it calm, private and simple

What lenders look at

• Card limits, not only what you owe
• Every repayment, including small ones
• Your spending in recent bank statements

What we do

• Show you which debts cost you the most borrowing power
• Look at whether combining them into one loan makes sense, including the total cost
• Give you a clear plan before you apply