05 Business
Self-employed and commercial lending
Lending for people whose income does not arrive as a pay slip, and for the premises they work out of.
Sole traders, company directors and contractors get knocked back constantly for reasons that have nothing to do with whether they can pay. We work from your actual financials, identify the add-backs that should count, and take the file to lenders whose policy suits your income type. The same applies to commercial purchases: a shopfront in Hamilton, a workshop out at Cardiff, or the practice rooms a client has been renting for eleven years.
What is included
- Financial statement review with add-backs identified
- Lender policy matched to your business structure
- Commercial and alternative documentation pathways compared
- Application and valuation managed through to approval
No fee to you
Residential self-employed lending is lender-paid with no fee to you. A small number of commercial and short-term deals carry a broker fee because of the work involved, and we quote and agree that in writing before any work starts.
Book a lending reviewor call (02) 5550 0020
02How it runs
4 steps, in this order
Typical first appointment: 60-90 min first appointment. You are told which step we are on, without having to ask.
- 01 Collect two years of financials, or the alternatives if you do not have them
- 02 Identify the add-backs and normalise your assessable income
- 03 Shortlist the lenders whose policy matches your structure
- 04 Lodge and manage the valuation and the approval conditions
03Asked often
Before you ring
If your question is not here, it is probably on the FAQ page, and if it is not there either, ring and ask.
I have only been trading a year. Am I wasting my time?
Not necessarily. A handful of lenders will consider one full financial year with the right supporting evidence, particularly where you were doing the same work as an employee beforehand. It is worth an appointment before you assume the answer is no.
What is an add-back?
An expense your accountant has legitimately claimed that does not actually reduce the cash available to you, such as depreciation or a one-off purchase. Lenders differ on which ones they accept, and that difference is often worth more to your application than anything else in the file.
Do you handle commercial property purchases?
Yes, including owner-occupied premises and smaller investment properties. Commercial terms work differently to residential and we walk you through those differences before you commit to anything.
What people usually pair this with
10The first chat
Start with the first chat
Sixty to ninety minutes, at your table or ours, evenings available. Nothing to pay and nothing committed. Long enough for us to tell you what is actually possible and whether we are the right fit.
What to bring
- Recent pay slips, for both of you if you are buying together
- Three months of bank and credit card statements
- Photo identification
- A rough idea of what you already owe
- Two years of financials and tax returns, if you are self-employed
Or skip the form
(02) 5550 0020- Mon to Wed 8:30am to 5:30pm
- Thu 8:30am to 7:00pm
- Fri 8:30am to 4:00pm
- Sat 9:00am to 12:00pm, by appointment
- Sun Closed
Evening and weekend appointments are normal in this trade. Leave a message on the office line or text Marty on 0491 570 156 and you will hear back the same day.
Thanks, that is everything we need
Demonstration only. Nothing was sent and nothing was stored. On a live site this would reach hello@junctionhomeloans.com.au and a booking would be confirmed by phone.