Self-employed home loans
Add-backs, retained profits, trust distributions and a year that looked thin on paper. Book a complimentary conversation with a broker who spent 24 years inside the big four banks.
100% private. No obligation. No spam.
Adrian HardieDirector and Senior Broker, Mildura VIC
Director and Senior Finance Broker
What you get
Depreciation, one-off expenses, additional superannuation, interest on debt being refinanced, retained profits, trust distributions and director loans. The same tax return can produce two very different assessable incomes.
It is not an awkward exception to be worked around. Adrian runs his own business and most of the people he talks to earn the way you do.
Your position is assessed against lender policy first. An enquiry only happens when you decide to apply, which matters because shopping around lender by lender is how people damage their own application.
Adrian was fantastic in our appointment, making sure I understood all options, with high attention to detail. Super friendly and easy to talk to. High quality of professionalism. Highly recommend him for anyone wanting more knowledge or looking to get their future started.
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Individual results vary. Your outcome depends on your circumstances and lender assessment.
Why Adrian
The complimentary assessment
Around 11 hours of specialist work, worth about $2,750 at typical market rates.
It costs you nothing.
Value calculated at $250 per hour, the typical market rate for comparable specialist advisory work. It is not a fee charged to you. Hours vary with the complexity of your situation.
100% private. No obligation. No spam.
How it works
Choose a slot that suits you from Adrian’s calendar. It takes about two minutes, and you get a confirmation straight away.
Forty-five minutes by phone or video, or at your kitchen table if you are near Sunraysia. How you actually earn, and how differently lenders read it.
You finish with an indicative outcome and a clear picture of what proceeding would involve. Whether you take it further is entirely up to you.
About
I spent 24 years inside the big four banks. I sat on the other side of the desk, applying the credit policies that decide whose loan gets written and whose does not, and I watched plenty of good businesses get assessed badly because nobody took the time to understand how they actually earn.
I also run my own business. I own and work an avocado block in Sunraysia, so a lumpy year and income that does not arrive in tidy fortnightly instalments are not abstractions to me.
That combination is the whole point of Hardie Finance Group. I know how lenders think, and I know what it looks like from your side of it.
Common questions
No. Everything up to and including the indicative outcome is complimentary. If you decide to proceed, a one-off engagement fee of $770 including GST applies, and $250 comes back to you as a gift card once your loan settles. Net cost $520, or $450 once you claim the GST. After settlement, I am paid a commission by your lender, not by you.
Often yes. Lenders differ considerably in how many years of returns they want and how they treat a weaker year alongside stronger ones. One bank looking at one set of figures gives you one answer, and it is not always the answer the market would give.
It is the single most common issue, and it is what add-backs exist to address. Depreciation, one-off expenses, additional superannuation and interest on debt being refinanced can often be added back, and lenders differ on which ones they accept.
It varies by lender, and by more than most people expect. Some want two full financial years, some will look at one, and a few will consider a shorter history where the industry experience is there. That is exactly what the policy testing step is for.
No. Talking to me and having your position assessed does not touch your credit file. A credit enquiry is only lodged when you decide to submit an actual application, and I ask you before that happens.
I have heard that a hundred times and it is rarely as bad as people think. Business financials look untidy to their owners and perfectly normal to someone who reads them for a living. Bring what you have and we will work out what is missing.
The engagement fee is retained once work has commenced, because the work has been done. That is why everything up to the indicative outcome is complimentary: you can see where you stand and walk away at no cost, before any of it applies.
Yes. I am based in Mildura, Victoria and meet clients across the surrounding region. Clients further afield are looked after by video, phone and email, with the same process throughout.
Forty-five minutes with a broker who spent 24 years inside the big four banks, reading your income the way a lender should. The conversation is complimentary and there is no obligation to go any further.
