Adelaide · Self-employed

Self-employed mortgage broker in Adelaide.

Sole traders, contractors and business owners: we match your income to lenders whose policy reads it properly.

George Karpathakis, Co-Founder & DirectorYour enquiry comes straight to our team. We usually reply within one business day.

Why self-employed applications get declined

Some lenders take the lower of your last two years' tax returns, ignore legitimate add-backs or ask for a trading history you do not have yet. Policy varies widely between lenders. Some accept one year of financials, some add back depreciation and one-off expenses, and some offer low-doc loans assessed on BAS or an accountant's declaration.

Full doc with add-backs: depreciation, interest and non-recurring costs added back to your profit. See add-backs explained.
One-year ABN: lenders that accept a single year of trading.
Low doc: alternative income evidence, usually with a lower maximum loan-to-value ratio.
Company and trust income: lenders that assess retained profits and distributions properly.

What to have ready

Your last two years of personal and business tax returns and notices of assessment
Recent BAS statements
ABN and GST registration details
Business bank statements, if you are applying low doc
Your accountant's contact details

The full list is in what documents you need for a home loan.

Working with your accountant

We often speak with clients' accountants to confirm figures and add-backs before an application goes in. This keeps the numbers consistent with what the lender will see and avoids surprises at assessment.

Who you'll work with

You deal with one broker from the first call to settlement: George Karpathakis or Tony Santoro, both based at our Thebarton office. Meet us in person, or do the whole process by phone and video.

How it works

How it works for business owners.

Game plan call

We go through your business structure, income and goals.

Review your financials

We read your returns the way lenders will, including add-backs.

Match the lender

We compare 40+ lenders and recommend one whose policy fits your income.

Apply and settle

We prepare a clear application and manage it through to settlement.

Loved by our clients

Rated 5.0 on Google.

Self-employed questions.

Yes, some lenders accept one year of trading, often with a requirement for prior experience in the same industry.

Usually. Low doc loans tend to carry higher rates and lower maximum loan-to-value ratios than full doc loans. They suit borrowers whose tax returns do not reflect current income.

Often, yes. Lenders generally assess taxable income plus allowable add-backs, so a lower taxable income can reduce borrowing capacity. Speak with your accountant before lodging returns if you plan to buy.

In almost every case, nothing. The lender pays us a commission when your loan settles, and we show you that commission in writing before you commit.

Get a lender that reads your income properly.

A free call to review your financials and find the right lender.

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