Your Trusted Self-Employed Home Loan Broker in Perth - We Know Which Lenders Add Back Retained Profit, and We Talk to Your Accountant Before Your Returns Are Lodged
As your self-employed home loan broker in Perth, we do the hard part for you. Ezy Loans compares self employed home loans Perth wide across a panel of dozens of lenders, presents your income the right way, and finds a lender comfortable with how your business actually earns.
We also work out your borrowing power before you apply, so you go in knowing where you stand.
You should not be knocked back just because you work for yourself. That is exactly what a self-employed home loan broker in Perth is for. We understand how each lender assesses business income, and which of them accept add backs the others reject.
Whether the right answer is a full-doc application, a low doc home loan Perth lenders will price fairly, or an ABN home loan Perth newer businesses can access, we package it correctly.
The Bottom Line: A self-employed home loan broker in Perth gives you access to many lenders in one place, expert income packaging, and both low-doc and ABN options. Talk to Ezy Loans for free, obligation-free advice today.
Smarter Self-Employed Home Loans From Expert Local Brokers For Sole Traders, Company Directors, Contractors, New Business Owners, ABN Holders
Being self-employed should not make a home loan harder. As your self-employed home loan broker in Perth, Ezy Loans compares how [LENDER_COUNT] lenders treat add backs, because your taxable income is not your assessable income.
Powered By Australia's Leading Lenders
Because we work through the Australian Finance Group panel, your financials reach [LENDER_COUNT] banks, credit unions and specialist lenders. Each runs its own add back policy, so identical returns produce very different borrowing figures.
From First Chat To Approval, Step By Step
We make self employed home loans Perth wide simple, from reading how your business actually earns through to approval.
Free Consultation and Goals
We read your structure, your trading history and your goals, so the strategy fits a sole trader, company or trust properly.
Package Your Income
We apply every add back your accountant can evidence, including depreciation and retained profit, revealing your <a href="https://ezyloansaustralia.com.au/borrowing-power-calculator/">true capacity</a>.
Match The Right Lender
We compare [LENDER_COUNT] lenders and choose one comfortable with your structure, including every low doc home loan Perth option worth considering.
Approval and Settlement
We manage the application and the paperwork through to approval and settlement, chasing the assessor for you throughout.
YOUR TAXABLE INCOME IS NOT YOUR ASSESSABLE INCOME
The Income Lenders Put Back On Top
Your accountant legitimately minimises taxable income, and they should keep doing it. But lenders are not obliged to assess you on that figure alone. Certain expenses can be added back to show what the business actually generates, and acceptance differs sharply between lenders.
Add back | Why it qualifies | Lender acceptance | Evidence needed |
|---|---|---|---|
Depreciation | Non-cash expense, no money left the business | Almost universal | Depreciation schedule |
Additional superannuation | Discretionary, above the compulsory rate | Widely accepted | Financials and returns |
Interest being refinanced | The expense ends at settlement | Widely accepted | Loan statements |
Retained company profit | Available to you, though undistributed | Varies sharply between lenders | Company financials |
Genuine one-off costs | Will not recur next year | Assessed case by case | Accountant letter and invoice |
Read the acceptance column rather than the first one. Every row is a legitimate add back, but only some will be applied by any given lender, and that is the whole game. Retained profit is the row that most often decides whether a business owner is approved.
ASKED BY PERTH BUSINESS OWNERS
What Perth Owners Ask a Self-Employed Home Loan Broker in Perth
What are add backs and why do they change what I can borrow?
Add backs are expenses a lender puts back on top of your taxable income because they are not real cash costs.
Depreciation, extra superannuation, retained company profit, genuine one-off costs and interest on debt being refinanced are the common ones. Lenders disagree substantially on which they accept, which is why the same financials produce very different answers.
My income dropped last year. Does that end the application?
Not necessarily, but most lenders will assess you on the lower of the two years rather than averaging them.
If there is an explainable reason for the drop, document it and submit it upfront rather than waiting for the assessor to query it. Some lenders will consider the explanation. None of them like discovering it themselves halfway through.
Does an ATO payment arrangement stop me getting approved?
Not automatically, but it must be disclosed, current, and evidenced with the arrangement in writing.
Undisclosed tax debt that the assessor finds is usually the end of the application, and it damages your file for the next one. Tell us early. There are lenders who work with it and lenders who will not, and knowing which is the whole job.
What should I do a year before I apply?
Separate your business and personal banking completely, keep BAS and tax lodgements current, and avoid new business debt.
Then have one conversation with your accountant about the tension between minimising tax and demonstrating income. A strategy that saves a modest amount of tax can cost you a great deal of borrowing capacity, and by the time you apply it is too late to undo.
"A decline is rarely a verdict on your business. It is a verdict on one lender's add back policy, and there are [LENDER_COUNT] others on the panel."
- Amrinder Singh, Credit Representative 505232, Ezy Loans Australia
The Self-Employed Broker Perth Owners Actually Trust
A panel of [LENDER_COUNT] lenders, smart income packaging, and a self-employed home loan broker in Perth who works for you rather than a bank. Built on trust earned one Perth settlement at a time.
Real Lender Choice
Access to a panel of [LENDER_COUNT] lenders, so your self employed home loans Perth wide reach one that understands business income rather than a bank's rigid single policy.
Licensed and Accountable
Credit Representative 505232 under Australian Credit Licence 377294, with a legal best interests duty on every self-employed home loan we arrange.
Income Done Right
Depreciation, extra superannuation, refinanced interest and retained profit applied properly, and we know when an ABN home loan Perth lenders accept suits better.
Obligation-Free, Start To Finish
Our advice costs nothing, and your self-employed home loan broker in Perth manages the whole file, so applying stays simple from start to finish.
WHERE WE WORK
Business Owners We Help Across Perth
Our office is at 905 Hay Street in the Perth CBD, and we work with buyers right across the metropolitan area. Most conversations happen by phone or video at a time that suits you, so location is never the limiting factor.
Perth CBD, Joondalup, Wanneroo, Ellenbrook, Midland, Morley, Bayswater, Scarborough, Cottesloe, Fremantle, Cockburn, Rockingham, Baldivis, Mandurah, Armadale, Gosnells, Canning Vale, Southern River, Butler, Alkimos
Buying outside the metro area or interstate? We arrange lending Australia wide, so a move later does not mean starting again.
Questions About Self-Employed Home Loans in Perth
Yes. Many lenders will lend to you; they simply assess your income differently, usually through tax returns, business financials or a low-doc option.
As your self-employed home loan broker in Perth, we know which lenders suit your situation and package your income so it gets approved.
A low doc home loan Perth lenders offer lets you verify income with less paperwork, such as BAS or an accountant's letter, instead of two full years of returns.
Pricing is higher and the deposit is usually larger. We explain when it is genuinely right rather than a fallback, and compare it against a refinance.
Many lenders want two years of trading, but some accept one year, and a few less again where the deposit is strong and the industry is the same as your previous role.
We match you to lenders comfortable with your actual trading history, whether you are buying your first home or your fifth.
An ABN home loan Perth lenders will consider is possible for newer businesses, though they may ask for extra evidence or a larger deposit.
As your self-employed home loan broker in Perth, we know which lenders write them and how to present the application so it holds up.
Usually one to two years of tax returns and financials, or BAS and an accountant's letter for a low-doc application, plus identification and deposit evidence.
Your notices of assessment matter as much as the returns themselves. Moneysmart covers what lenders look for.
In most cases our self-employed home loan broker in Perth service is free to you. We are paid by the lender once your loan settles, not by you up front.
So you get expert help comparing dozens of lenders at no cost, with no obligation to proceed.
Amrinder Singh
Amrinder Singh is a Specialist Broker and the founder of Ezy Loans Australia, working from 905 Hay Street in Perth. As a self-employed home loan broker in Perth he also arranges first home, refinance, investment, construction and asset finance across a panel of Australian lenders. Credit Representative 505232 under Australian Credit Licence 377294.
- Every add back your accountant can evidence, applied properly
- Full-doc and low-doc options compared honestly side by side
- One licensed Perth broker from first chat through to settlement
Let's Get You
Contact Us
Get a Free Consultation
No obligations. Speak to Amrinder Singh direct on 0432 066 362 today.
Ezy Loans Australia is a Perth-based mortgage and finance brokerage helping first home buyers, investors and refinancers across Australia secure the right loan with confidence.
Contact Info:
- 905 Hay St, Perth WA 6000
- amrinder@ezyloansaustralia.com.au
- 0432 066 362