ORLA Finance › What we finance › Self-employed & low-doc
Self-employed · low-doc · non-standard incomeRunning your own business should not mean worse lending. It usually means the wrong lender — one that only knows how to read a payslip.
Self-employed income is assessed differently by every lender. Some want two years of returns; some accept one. Some add back depreciation, interest and one-off expenses; some do not. The same business can produce very different borrowing capacity depending on who reads the numbers.
Low-doc lending exists for borrowers whose returns are not yet available or do not reflect current trading. It is legitimate and it is more expensive, and it comes with a declaration you need to be able to stand behind.
Depreciation, one-off costs, interest and superannuation can often be added back. Many are missed.
Some lenders will work from a single year. That matters if last year was the anomaly.
Accountant’s letter, BAS or bank statements, depending on the lender, with the declaration taken seriously.
Non-standard income patterns matched to lenders that understand them.
A payment arrangement is not automatically fatal. Hiding it is.
Most of the gain here comes from reading the financials correctly.
Two years of returns and financials if you have them, or tell us what you have.
With your accountant where useful, to establish real serviceable income.
Policy differences here are larger than rate differences.
Self-employed applications fail on gaps. We do not leave any.
Not sure you have all of it? Start anyway — we will tell you what is actually needed for your situation rather than asking for everything.
Free to you for most home loans, no obligation, and no branch visit.
Add your details and a broker will come back with your real options — free, no obligation.
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