Retained earnings, distributions, two ABNs and a trust? Banks assess risk based on algorithms. We assess it based on reality, and we know which lenders do too.
Why do banks decline self-employed home loan applications?
Banks decline self-employed applicants because business income - retained earnings, distributions, add-backs and variable years - doesn't fit standard payslip-based assessment, not because the applicant can't afford the loan. Specialist brokers like Bluesky Financial Group present business financials in the format each lender's credit team accepts, which routinely turns declines into approvals.
You're not high-risk. You're misread. Most brokers take the path of least resistance and send your file to the same lender that already said no in different packaging. We do the opposite: we choose the lender whose policy actually fits your structure, then present your income story with the precision of a credit paper.
Credit teams approve applications they understand. Ours arrive with your story already explained.
Before any lender does, we identify the true serviceable income.
Not the other way around. Policy knowledge across 90+ lenders is our edge.
Our applications are sent with your income story already explained to the credit team.
From a first investment property to an 11-property, $45M portfolio - $30M in lending structured across three major banks.
A self-employed Sydney family whose income ran through a group of companies, distributions and retained profits. Most banks stalled. We mapped the whole structure, matched each deal to a bank with the appetite to fund it, and executed deal after deal, on time.
Read Dalpreet’s case study →Yes. Several lenders on our panel accept one year of returns or accountant-verified income. Rates are not far off full-doc loans.
A loan verified through alternatives to tax returns - BAS statements, business bank statements or an accountant's declaration. Useful when your latest returns don't reflect current earnings.
Not for us. Multi-entity income is our daily work; we consolidate it into a single serviceable position lenders can approve.
Talk to us first. Repeated applications damage your credit file. One properly targeted, properly packaged application beats three hopeful ones.
Not necessarily. With full financials and the right lender, self-employed clients access the same rates as PAYG borrowers.
Bring us the financials the bank didn't understand. We'll read them like a credit team, then match your structure to the lender whose policy fits.
Call Jess to schedule a strategy session
with one of our brokers - 0474 471 489
Finance structured around your goals.