Banks misread self employed income. Tradies, contractors and small business owners in Melbourne's eastern suburbs get knocked back — not because they can't afford it, but because their income doesn't fit the form. We find lenders who assess it correctly.
Lenders on our panel — including those that specialise in self employed and low-doc home loans
Standard bank assessment doesn't work for self employed borrowers. We know which lenders look past the tax return and assess what your business actually earns — so you get approved for what you can genuinely afford.
Banks average your last two tax returns and often add back less than they should. We find lenders that assess gross income, add backs, and business revenue properly — which directly increases your borrowing power.
If your tax returns don't reflect what the business earns, low-doc loans use BAS statements, accountant letters or business bank statements instead. We access lenders with genuine low-doc policies — not just marketing claims.
You're running a business — you don't have time to chase a bank. Same-day response and fast pre-approval turnaround so you can move on a property when you find it.
You deal with Corry directly. Someone who understands self employed income structures and stays across your application — not a processor who's never spoken to a tradie.
The difference between lenders on self employed income can be tens of thousands in borrowing capacity. We run your numbers across multiple lenders before recommending one — not just the easiest approval.
Self employed income assessment applies to investment loans as well as owner-occupied. If you're looking to grow a property portfolio, we structure the lending to support future purchases — not just the one in front of us.
If you run your own business, work as a contractor, or earn income outside a standard PAYG payslip — this is for you.
LVR limits and income verification vary by lender and business structure. Full-doc 90–95% LVR requires minimum 18-month ABN and 2 years financials with select lenders. Construction finance for self employed is available through select lenders only — not all lenders on our panel offer this. Book a free call to find out exactly which option suits your situation.
The Knox and Ringwood area has one of the highest concentrations of tradies and small business owners in Melbourne. Corry is based here — not in the CBD — and understands the local property market and the income patterns of the businesses that operate in it.
If you're operating a business in the eastern suburbs and looking to buy locally, you're talking to the right person.
Melbourne Eastern Suburbs
Knox · Ringwood · Bayswater · Boronia · Wantirna · Heathmont
Tell Corry about your business structure, income and what you're looking to buy. No paperwork needed upfront.
We run your numbers across lenders that understand self employed income and identify the best fit for your situation.
We handle the paperwork, package your income correctly, and lodge with the right lender. Fast turnaround, minimal back and forth.
We guide you to settlement and review your loan annually — as your business grows, your loan structure should keep up.
"I'd been knocked back by two banks because my tax return didn't show enough income. Corry found a lender that assessed my BAS statements instead. Approved in under two weeks. Wish I'd called him first."
Most lenders require two years of self employment with two years of tax returns. Some lenders accept one year in certain circumstances. We identify which lenders suit your timeline and business history.
Yes — with the right lender. If your business earns more than your tax return shows due to depreciation, write-offs or add backs, we find lenders that assess gross income or use BAS statements instead. This can significantly increase your borrowing power.
A low-doc loan uses alternative income verification — BAS statements, accountant letters or business bank statements — instead of tax returns. They typically go up to 80% LVR. Not every self employed borrower needs one — we assess whether a full-doc loan with the right lender is a better option first.
No. Our home loan services are paid by the lender at no cost to you. Any fee — if applicable — is disclosed in full before you proceed.
Yes. Self employed income assessment applies to investment loans as well as owner-occupied purchases. We structure the lending to support both your current purchase and future investment goals where possible.
Find out in 15 minutes which lenders will assess your income correctly and what you can actually borrow.
Get My Free AssessmentNo obligation. No broker fee. Same-business-day response.