Who this is for适合人群
🏢 ABN holders (1+ years)
Sole traders, contractors, freelancers with ABN active for 1-2+ years.
💼 Company directors
Pty Ltd company owners with consistent income or distributions.
🛍️ Small business owners
Cafés, restaurants, retail, trades — even if last year's tax return looks "low" on paper.
👤 Recently transitioned
Left employment within 12 months? Some lenders accept this — others don't. I know who does.
🏢 持有 ABN 1 年以上
个体户、合同工、自由职业者，ABN 已经激活 1-2 年以上。
💼 公司董事
Pty Ltd 私人有限公司的所有者，有稳定的工资或分红。
🛍️ 小生意业主
咖啡店、餐厅、零售、技工——即使去年报税单看起来"收入低"。
👤 最近转为自雇
12 个月内离职转自雇？有些银行接受这种情况，有些不接受。我知道谁接受。
How it works申请流程
- Free consultation — Tell me your business structure and last 2 years performance. I'll quickly tell you what's possible.
- Financial deep-dive — We look at BAS, tax returns, profit & loss. I identify add-backs lenders accept.
- Lender matching — Different lenders interpret self-employed income differently. I match you with one that values your business properly.
- Application — I package your application to highlight strengths. Approval usually 2-3 weeks.
- Settlement — Coordinate with conveyancer, settle, move in.
- 免费咨询 —— 告诉我你的公司结构和过去 2 年业绩。我快速判断可行方案。
- 财务深入分析 —— 看 BAS、报税单、损益表。我会找出银行会接受的"加回项"。
- 匹配银行 —— 不同银行对自雇收入的解读完全不同。我帮你匹配真正认可你业绩的银行。
- 申请提交 —— 我重新包装申请凸显优势。通常 2-3 周批贷。
- 交割 —— 与过户律师协调、settlement、入住。
What you'll need所需材料
- Driver's licence or passport
- Last 2 years personal tax returns + Notices of Assessment
- Last 2 years business tax returns (if Pty Ltd)
- Recent BAS statements (last 4 quarters)
- Business bank statements (last 6 months)
- ABN registration / ASIC company registration
- Accountant letter (sometimes — I'll tell you if needed)
- 驾照或护照
- 最近 2 年个人报税单 + Notice of Assessment
- 最近 2 年公司报税单（如果是 Pty Ltd）
- 最近的 BAS 报表（最近 4 个季度）
- 公司银行流水（最近 6 个月）
- ABN 注册 / ASIC 公司注册
- 会计师证明信（有时需要——我会告诉你是否需要）
Common questions常见问题
I've only been self-employed for 1 year. Can I still get a loan?
Yes — some lenders accept 12 months ABN, especially if same industry as previous employment. Less choice, but doable.
My tax return shows low income because of write-offs. Is that a problem?
Not always. Some lenders accept "add-backs" — non-cash deductions like depreciation, one-off expenses. We add those back to show true income.
Do I need a low-doc loan?
Sometimes, but not as often as people think. Most self-employed can get full-doc loans with the right lender. Low-doc loans have higher rates — we use them only when necessary.
What if I have multiple income streams?
Even better. Multiple ABNs, PAYG + ABN, or company + personal income can all be combined. Just need a lender that knows how to assess complex structures.
我才自雇 1 年，能贷款吗？
能——有些银行接受 12 个月 ABN，尤其是同行业转过来的。选择少一点，但能做。
我的报税单因为做了很多抵扣，显示收入很低。这是问题吗？
不一定。有些银行接受"加回项"——非现金抵扣（如折旧、一次性费用）。我们把这些加回去显示真实收入。
我需要做 low-doc 贷款吗？
有时需要，但没大家想的那么频繁。大部分自雇人士用合适的银行能做正常 full-doc 贷款。Low-doc 贷款利率更高——只在必要时用。
我有多个收入来源呢？
更好——多个 ABN、PAYG + ABN、公司 + 个人收入都能合并。只需要找一个会处理复杂结构的银行。
Ready to get started?准备好开始了吗？
Free 30-minute consultation. No obligation. Just honest advice. 30 分钟免费咨询。无任何承诺。只有诚实建议。
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