One year of returns is often enough
Several lenders will assess on a single year of financials rather than two, which matters if last year was your best year.
Professionals
Self-employed
Being self-employed is not a problem, it is a paperwork exercise. The trick is choosing the lender whose assessment method matches how your business actually runs.
Book a free chatAdd-backs done properly
Depreciation, one-off expenses, superannuation above the minimum and interest on business debt can often be added back to income.
Alt-doc when returns are behind
Business bank statements, BAS or an accountant's declaration can support an application when tax returns are not yet lodged.
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