Self-Employed Home Loans
From a Broker Who Reads Tax Returns
Most brokers send your tax returns to a lender and hope for the best. We read them first — as a CPA and registered Tax Agent — then structure your application to maximise approval.
CPA
Australia Certified
Tax Agent
Registered TPB
40+
Lender Panel
$0
Assessment Fee
Why a CPA Broker Matters for Self-Employed Lending
Your accountant minimises your tax. Your broker needs to maximise your borrowing. When they\'re the same person, they speak the same language.
Add-Back Expertise
We identify depreciation, one-off expenses, and non-cash deductions that lenders can add back to boost your income.
Tax Return Fluency
We read financial statements, not just tax return summaries. Company, trust, and partnership structures? No problem.
Lender Matching
Different lenders have vastly different self-employed policies. We match your structure to the most favourable assessment.
Find Your Lending Path
How lenders treat you depends entirely on how you\'re structured. Select your business type below.
Sole Trader
ABN-based income, simplified reporting. We know how lenders assess sole trader financials and which ones are friendliest.
Learn moreCompany Director
Salary + dividends + retained earnings. We calculate your true borrowing capacity by looking beyond just your PAYG salary.
Learn moreContractor
Contract rate vs taxable income. Some lenders use your contract rate — we know which ones and when it matters.
Learn moreSelf-Employed Lending FAQs
Ready to Get Assessed?
Free, no-obligation assessment of your self-employed borrowing capacity. We read the financials your accountant prepares — because we speak the same language.
Request Free Assessment