A home loan that understands your tax return.
Three companies, a trust, distributions, retained earnings, and an accountant still finalising last year? We've seen it. And we know which lenders will say yes.
Most banks see self-employed and reach for the 'no' pile.
Banks like PAYG payslips because they're easy. Self-employed income — with company structures, trust distributions, and add-backs — takes work to assess properly, and most lenders aren't set up to do it.
We work with the lenders who specialise in self-employed clients. We know how each one calculates serviceability, what they'll accept as proof of income, and how to present your numbers so the credit team sees the real picture.
From first conversation to done.
Read the real numbers
We work with your accountant to interpret your financials properly — add-backs, retained earnings, distributions — not just the bottom line.
Match to the right lender
Some lenders want two years of tax returns, others accept one. Some take BAS statements. We pick the lender most likely to say yes.
Frame the submission
We present your application to the credit desk most likely to back it — with the right supporting documents and a story that makes sense.
If you've heard 'no' from a bank, we'd like a word.
We specialise in clients who don't fit a PAYG mould.
- Sole traders and contractors with 12+ months of trading
- Company directors with trust distributions
- Multi-entity structures with retained earnings
- Clients with one strong year and one quiet year
- Tradies, consultants, and professional services
- Specialist lenders for newer businesses
Every scenario is different. Send us a quick enquiry and we'll tell you straight whether we can help — and how.
A proper review of your business financials with your accountant. Lender matching across self-employed specialists. Submission packaging and credit story. Full application and settlement coordination. Annual reviews as your business grows.
Ready when you are.
Send us an enquiry. Tell us about your situation and we'll be in touch within one business day — with zero obligation.
"Two banks said no before I called Headland. They had me approved within ten days with a better rate than I'd expected."