Common mistakes I fix

When your latest returns do not yet reflect how the business is really trading, a low doc loan can bridge the gap. It uses alternatives such as your BAS, an accountant’s declaration or business bank statements to evidence your income. It is a legitimate tool, not a loophole. The rate and deposit expectations differ, and it is not right for everyone. The job is knowing when it genuinely fits and when it does not.

I sit down with you and your numbers before we go anywhere near a lender. We work out which lender reads your kind of income most generously, we structure the application so every allowable add back is captured, and we time the submission around your lodgements. Two lenders can look at the identical business and arrive at borrowing capacities tens of thousands of dollars apart. Choosing the right one is most of the work.