Yes — but it depends on how your income is structured, documented, how long you have been self-employed, and assessed by the lender.
In many cases, yes — depending on your current structure, lender policy, and overall financial position restructuring existing debt can be critical for business cashflow.
My job as your broker would be to fully understand your current financial situation and goals to create a strategy that works for you.
Yes — many lenders will consider variable income, particularly if there is a consistent trend or strong underlying business performance. The way income is assessed depends on financials, industry, and lender policy.
Lenders typically review financial statements, tax returns, and/or BAS and business bank statements. Some may also consider add-backs, one-off business expenses, instant asset write-offs, or recent trading performance depending on the scenario.
As your broker I would focus on getting a full understanding of your business and future plans to better strategise a solution that works for you.
Yes — if you are self-employed, lenders will assess your business income, but how it is calculated can vary depending on your structure and documentation.
However, this may affect your business’ borrowing capacity down the line. That is why as your broker I would focus on getting a clear understating of your personal and business goals to approach each need correctly.

It may still be possible, particularly if the tax debt is under a formal repayment arrangement and your overall financial position is stable. However, it will affect your borrowing capacity as the tax debt is considered a liability.
Yes — lenders typically treat tax debt as a liability, which can impact borrowing capacity and how your application is assessed.
Not always. In some cases, structuring the debt or entering into a repayment plan may be sufficient, depending on the lender. But paying it off or at least reducing it could improve your borrowing capacity.

Some lenders offer alternative documentation (Alt Doc or Low Doc) options, such as using BAS or accountant declarations, depending on the situation.
These are loan options where traditional financial documents (like full tax returns) may not be required, but other forms of income verification are used.

Yes — some lenders will consider applications with a new PAYG role, especially if it is within the same industry or there is a stable employment history.
Not always. Some lenders are comfortable with applicants still within probation, depending on the overall strength of the application, industry the applicant works in and their experience.
Yes — lenders may consider your return-to-work income, supported by a letter from your employer and evidence of savings.
This varies, but many lenders will assess your usual income and expected return-to-work arrangements.
It can, depending on how income is assessed, but there may be options depending on your broader financial position.
Because lenders assess your existing debts, buffers, and rental income differently — not just your salary. In addition, changes in the Consumer Price Index (CPI) will also affect your Household Expenditure Measure (HEM) which will in effect affect your borrowing capacity.

Yes — permanent residents are generally eligible for home loans, subject to standard lending criteria.
Yes — New Zealand citizens are generally considered Permanent Residents and are eligible for home loans, subject to standard lending criteria.
This depends on the lender and individual circumstances, but requirements can differ compared to Australian citizens.

Commercial lending is generally assessed based on both the borrower’s financial position and the strength of the property or business, rather than personal income alone.
Yes — many commercial purchases are made through company or trust structures, but this depends on your broader financial position and lending strategy.
In many cases, yes. Deposit requirements vary depending on the property type, borrower profile, and lender risk assessment. The typical deposit is 30% but it varies.

It depends on the size, age, and status of the default. Some lenders are more flexible than others, particularly if the issue has been resolved.
Defaults generally remain on your credit file for several years, but their impact on lending can reduce over time, especially with strong recent financial conduct.
In many cases, yes — but not always. Some lenders may consider applications with paid or smaller defaults, depending on the overall scenario.

It can be more challenging, but some lenders may consider applications with a shorter trading history, particularly if there is prior industry experience.
Many lenders prefer at least 1–2 years of trading history, but some may consider shorter periods depending on the overall profile.

Some lenders recognise certain professions and may consider future earning potential, but this depends on your employment structure and documentation.
In some cases, lenders may consider contracts or expected income, particularly for specific professions, but this varies.