Self-Employed & Complex Lending
Guidance for circumstances that don't fit the standard mould.
Self-employed income, multiple entities, non-standard documentation or a more complicated financial history shouldn't mean lending feels out of reach. We take a considered, case-by-case approach.
A different starting point
Your income doesn't need to fit a template.
Standard lending criteria are often built around straightforward, single-employer income. If you're self-employed, run your own business, have income from multiple sources, or have a more complex financial history, that doesn't mean your options are limited — it just means your situation deserves closer attention.
We take the time to understand your business structure, income and documentation, and explain the general considerations that may apply to your circumstances.
Scenarios we help with
Considered guidance for complex circumstances.
Self-employed income
Understanding how business income may be assessed by lenders.
Multiple income sources
Bringing together a clear picture from varied or non-standard income.
Trusts & company structures
Navigating lending considerations where entities are involved.
Non-standard credit history
A considered, honest conversation about your options.
Frequently asked
Questions about complex lending.
I've only been self-employed for a short time — can I still apply?
This depends on the lender and your individual circumstances. We'll talk through what documentation may be needed and what general considerations apply.
What documents do self-employed borrowers typically need?
This commonly includes business financials, tax returns and other supporting documentation, though requirements vary by lender and situation. We'll provide a tailored checklist.
My situation is quite complicated — where do I start?
Start with a conversation. We'll listen to your circumstances first, then talk through the general options and next steps that may be relevant to you.
Ready when you are